What I trying to say is fairer when compare to 65 - 70 years old withdrawer and also 1.3millions withdrawer.

but certainly I think that is my money, I should mange it my self after 55.

This post has been edited by kelvinfixx: Nov 3 2025, 11:07 AM

food for thoughts....

Technically speaking, for most members who didn't do any self-contribution or top-ups, all EPF contributions ultimately come from employers. After all, even your salary is paid by employers, right? haha

If I were to personally transfer RM100K into your EPF account because I am super generous, the source is obviously me. But guess what? It’s still 100% yours, regardless of where it came from.

Now here’s the real question:
That 12% “employer contribution”. Is it really some generous gift from your boss, or is it basically part of your overall pay package legally dressed up nicely as a "contribution"?


I am simple minded... EPF funds is mine... the only contention is accessibility... not ownership.

Technically, you don’t even need to wait for the funds to be credited.
Any earned but unpaid employer contribution already legally belongs to the member.

EPF can take action against those rogue employers who fail to pay up. (my understanding is, in bankruptcy cases, EPF can step in to recover what’s owed.)

That’s is so true.

And

Ain’t that a bitch… that the crux of matters. Say, Even if statistically proven that with the higher withdrawal age limit or min value, you will still find someone not happy with it.

That’s the reality and it’s a bitch to manage for any public agencies no matter how competent they are.

Fortunately or unfortunately, in MY… a very large components of the population think they are smarter and more capable than EPF in managing the portfolios and funds.

Some folks say CPF so great and without realizing there are cap on what you can get from your employer contribution. Essentially the millionaire have the same cpf balance at the end without self top up once it hit the cap which is actually quite low. I know many Malaysian who moved to SG, they all hit the CPF cap. Not going to dwell on FX or % etc as that never ends. Live and optimize teh cards you deal with.

No happy? Go and do business and make your own millions so you can biatch how capable you are etc.

Testing / trial balloon


A "trial balloon" is a proposal or idea made public to gauge public reaction before committing to it fully.

It's funny. I would say it's a conspiracy to push for whatever agenda the policymakers had. Leak a bit of proposed policy and all the so called economic experts will wade in expounding their support. Where is the laymen opinion ?

Why bother asking the general public, right? Most are too broke to give "financially sound" feedback anyway.

EPF or the gov should just go straight to the top 80K or 130K "epf millionaire"members: the ones who clearly cracked the EPF accumulation game. Get their opinions as that's where the quality insights are mah.

Or better still, just drop by this forum… we’ll save them the consultation fee.
I for one will answer for free. Retiree mah, contribute back to society in terms of advice....

This post has been edited by Wedchar2912: Nov 3 2025, 03:06 PM

Who is this 'laymen' actually? Definitely those posting here aren't.

Then what are we? T20?

From looking at all the argument points....
More like T5 💪🔥💵🤑

Could some of the "experts" are also the hired gunmen trying to convince the crowd about the idea proposed?

T20 if you have more than 100K rm
T10 if you have more than 200K rm
T05 if you have more than 400K rm
T04 if you have more than 500K rm
T01 if you have more than 1 million rm

(thereabout from epf stats in the annual report based on active members)

B40 if lesser than 15K rm.


So, which group should we listen to in order to get advice on how to ensure adequate retirement funds? the b40 or T05???

If B40 is category at 15k below, they will not make it even epf lock their money for life.

So just listen to the biggest shareholders voice, like how the listed company work.

I don't think this is the right way to categorise the level of wealth in EPF. Age contributes an crucial factor. An individual with 100k at the age of 30 is not the same as individual with 100k at age of 50.

Without a doubt, your point is very valid.

That said, since we don’t have detailed data broken down by both age and wealth, we can only work with what’s available. For the sake of discussion, especially on which group EPF or the government should seek feedback from about retirement adequacy, this kind of broad binning is still useful, don’t you think?

In simple terms, if you were looking for advice on how to ensure Malaysians have enough for retirement, would you really go to the B40 group (barely 15K, regardless of age)… or would you rather ask the T05 group who’ve actually succeeded in doing it?


Of course, if you meet someone who's 35 with 1 million in EPF and another who's 65 with the same amount (both sitting in the T05 group), it makes sense to hear both perspectives for a more balanced view, right?

Like you hinted: if we are really honest and if one wanted good tips on how to actually get there, one be just a bit more curious about what the 35-year-old did rite?

Every where in the world to subsidize the poor(or lazy) they demand to tax heavily the rich especially the billionaires. So should the billionaires have any say in it.

I think our government know the issue. We all know it is more than just a retirement fund issue. You might have a objectively brilliant idea but it may not be an election winning solution. Many Malaysians are acting on emotions. T20 included.

This post has been edited by Fantasia: Nov 4 2025, 12:56 AM

55 yo should be able to withdraw all. Well, i think even 50 yo should be allowed to withdraw all money.

When we reach 50 years old and still dumb to get cheated or don't know how to control the expenses, nothing gov or anyone can do. Even gov set it only 70 yo is allowed to withdraw all, these people will still get cheated or finish their money fast and lose all their money at or after 70. Don't sacrifice the majority's benefits for a small potion of people.

Due to some reasons, this "tax the richer higher tax to give to the poorer", i always think it is related to communism system, like a communism system in disguise.

This post has been edited by HolyCooler: Nov 4 2025, 06:51 AM

Just need some confirmation.....

EPF only pays dividends till RM 1mil??? Above that don't pay???

Saw one letter posted to Malaysiakini... Saying it's only covered till 1mil...

Link:
https://m.malaysiakini.com/letters/759810

According to MOHD AZMIR RAMLI

Anyone can say anything without any verification