To stay compliant with Mod’s wishes, pls refer to my earlier post in the FIRE thread for some of the broader points.

As for the EPF specific parts...

I planned my retirement long ago. When my balance approached close to 1m, I diverted most of my salary, bonus, and 60K type from FD into EPF. Back then, the 1m threshold felt like it was cast in stone, right? Turns out was limestone, not granite… lol.

(And yes, I’m also one of OG in this thread who kept pushing the idea of increasing employee contribution up to 40 to 60% if circumstances permit. can dig up my old posts)

My original spending plan was simple: EPF div 5 to 6% covers all of my monthly spending. I purposely designed a flexible spending bracket between 10k to 20k pm, aiming 20k whenever dividends allowed.
EPF was meant to fully fund my life till death, and everything outside EPF was held passively for potential upside.

Until 2023, I was casually withdrawing the few Ks every week from EPF to cover family expenses. No trading, no market noise, no work concern, no monetary bother. I was genuinely living the lazy retirement life, fully funded by EPF under the backing of Federal Gov of Malaysia!

My plan involving EPF had to be reworked.... you can guess the mult reasons...
This is why I kept on saying not everyone need baby sitting. My new retirement plan now... I just make epf almost irrelevant by paring the balance down and assigning epf as pension cashflow in my plan

I am also on lazy retirement life lol. Started at age 35. Now late 40s. Didn’t want to post in the FIRE thread coz there already got lots of post and advice.

Anyway got some amount in EPF acc1 that cannot touch. But acc2 and acc3 can keluar masuk and reap dividends right? Sorry a bit tertinggal bas when it comes to EPF.

I think, If you met the withdrawal conditions stipulated for account 2 or account 3, you can withdraw. (Keluar).
BUT for Masuk, (to only account 2 or account 3 specifically), .....i strongly believes cannot...as money Masuk/deposit (before age X) will be divided into accounts 1, 2, 3 according to stipulated ratios.

Your current age late 40s,.i think you may hv very limited / no choices for account 2 and account 3, keluar masuk...go check kwsp website for details

This post has been edited by MUM: Nov 25 2025, 11:52 AM

Yeah I just checked epf website earlier. Seems a bit less flexible for me if I suddenly need money. I was just thinking about epf because I heard they give div % more than ASB.

Not sure how much money you are refering to.
Not sure which ASN funds you are refering to too.

For every 100k and
For every 1% variance of dividend between your ASN fund and EPF, a variance of RM1000 will be resulted.

You do your maths and then consider the worthwhile of it against the flexibility between your asn fund and epf

High Yield Saving Account ?

since you're 40yo and have ASB

I suggest you explore ASB 3 Didik than EPF. It's lower dividend but you can withdraw if suddenly needed money.

You can only explore EPF after 55yo (for all deposit before 55) or 60yo (High Interest Savings Account)

Recently, EPF sapu Maybank & Cimb shares.

good dividend payout