https://www.kwsp.gov.my/en/w/e-caruman-app-discontinuation

First time hearing this e-caruman apps thingy??

Anyway... Now all need to use i-akaun kwsp

Seems to be only for employers...

Hopefully...

turn off social media/news - continue to self contribute 100k per year
after 10 years then see how

Only if you're over 60 or have 1mil above (later gradually increase yearly to 1.3mil 😄)

https://www.nst.com.my/opinion/leaders/2025...-can-malaysians

more of such news... who knows... may backfire until epf/gov finally decide... i can imagine some elderly persons between 55 to 70, under influence of their family or friends, will just go and take everything out....

True agreed with this, who knows what's gonna happen with this flip flop government, every month got some "brilliant " idea pop from bottom

This post has been edited by Ayambetul: Nov 1 2025, 02:14 PM

If you contribute 100k per year for 10 years straight then confirm will have more than the amount =)

If someone is working and can afford to make self-contributions of 100K a year, then the 1.3m limit is of no concern.

But there are three points worth noting:

a) The 1.3m limit only applies starting 2028, with EPF has already said they'll review the limit again then. So it’s essentially a moving target, and could very well change by 2029 or 2030. (should we just plan and assume it is 100K increase every year for simplicity sake???)

b) There’s the threat of a “pension-like” cashflow system, although gov said is only for new members… for now.

c) And now there’s talk about raising the withdrawal age to 65 or even 70 before members can access their funds.

It’s getting murkier and murkier as time goes on.

dont worry - just trust the process continue whack epf self contribution every year max out

https://www.thevibes.com/articles/news/1149...ement-age-to-65

lol... so now salahan siapa?

-- world bank?

-- misunderstanding by newspapers for not reading properly the report???

-- growing mismatch of concepts between what a retirement fund truly is and what a social pension support from the government means.
Thanks to certain groups constantly blurring the lines, even media outlets now equate EPF as if it’s a government pension scheme, when it’s not.

hahaha

Or worst... Many think that they should be able to withdraw and access it anytime they want... No thanks to some short sighted politicians during COVID that set all the wrong expectations...not once not twice but four rounds... And on top of that we have these same folks asking for super high % return like their friends said so investing in equity ...Without understanding the EPF charter.

Even if the withdrawal age say raise to 60-65, it won't make any difference to these folks will still deplete it within 3-5 years.

This post has been edited by gamenoob: Nov 3 2025, 12:50 PM

Some people think since it's their money (actually only part of it since employers also contribute too, unless you self contribute 100% from start @ open account)....

They entitled to get full access anytime any age.....

Eh, as soon as the employer has contributed it it does become your money, in the same way your salary becomes your money. It's held in trust by KWSP, but isn't any less yours.

The terms of that trust may be changing, but that doesn't change the ultimate ownership of the funds.

Actually what I'm trying to point out...

Some thinking about 100% access anytime.... Most already pampered with multiple special withdrawal previously....

I do agree it's their money.... Even tho it's originally from employers.....

Yeah...its merely delaying the inevitable.

This arragmenet is fairer

Should allow monthly witfdrawer for 1 million and age 55 monthly withdrawer but not one time, after 65 can one time.

This post has been edited by kelvinfixx: Nov 3 2025, 09:47 AM

Then don't you think it will be very UNFAIR, to the existing contributors reaching or reached the existing conditions.?

when it comes to MY money... only what I say is fair...

truth is ppl will never be satisfied whatever the gov and epf do...