After 75yo

Must start enjoying your money... not keep savings like no tomorrow...

One leg here & another leg already going another world....

If still insist of keeping... the next of kin would enjoying the most... says big thanks your the wealth given...

she want to make EPF High- yield savings

75 can smell coffin already. WTH you want to contribute?

Maybe will live till 100 like Dr M

No problem with that...

After 60 already can be done...

Only thing is you don't go extremely hard & long..

Needs to stop at certain point & start enjoying the fruits

Can slowly start to enjoy a bit at 50

Except for him, nobody knows when his time will be up

Karma usually catches up with most people before time is over

It takes years of planning to utilise epf as a high yields saving account. Most do it diligently over the years. Of course if just have few hundred k's then it's ok. Some older folks monetize their hard assets late and wishing for a simpler cash returns found it more difficult .

What do you mean "reactivate" your mum's EPF account? She doesn't have an account with KWSP before this?

Different people have different ways of 'enjoying' money. Some don't really spend money even though they have millions in the bank account. There are many ways for seniors to spend the money or enjoy life. Some choose to live a lavish life by spending part or all of the retirement funds on himself, some pick a more modest lifestyle which suits their preferences while some choose to reserve most or all of the excess funds for the children and grandchildren. They would be happy to just let their grandchildren secure a good and comfortable life ahead of them.

A more appropriate term to replace 'keeping savings like there is no tomorrow' would be maximising wealth. I believe making full use of available funds by generating greater wealth would apply to people of all ages, both young and old. The only issue is one can't take the wealth with him to the coffin when he/she has passed on.

she has existingly... current zero amount. not want to re-activate by topping up

I see. You may ask her to try depositing money into her EPF account to see if the money goes in. No harm trying isn't it? If your mum is above 75 and the system doesn't allow self-contribution as claimed, then another way is for your mum to transfer the funds to your EPF account, and you deposit it for her. It's the same right, one happy family her money is your money. It will only work if she has too much excess. Or just park the money in other safe investment schemes or buy a property etc.

This post has been edited by ryder_78: May 15 2026, 02:04 PM

her money is her money while she's alive ...

Another question
we can have one(1) withdrawal from Akaun 2 (any amount) from Age 50 to Age 54, right ?

I think you may already have considered the points below, but no harm mentioning them anyway 🙂

Not sure if you explicitly mentioned whether your mum is already 75 yo or above.


If she is still below 75:
like what some others suggested, maybe try transferring a small amount first (100rm) and see whether the contribution appears successfully
if it works, then technically you can still inject up to the allowed annual limit until she reaches 75


If she is already above 75, then EPF is probably no longer the right vehicle to focus on.

This is also why I keep reminding people that EPF is fundamentally a provident fund, not really a retirement vehicle. Once certain conditions are reached, there’s little point trying to force-fit EPF into roles it wasn’t designed for. Better to look at alternative solutions instead.

That said, if your relationship with your mum and siblings is good, and there is mutual trust involved,
then another practical workaround (assuming you and your siblings still have unused contribution limits) is to help place some of your mum’s excess funds into your respective EPF accounts instead.
Keep a record of the transfers in whatsapp (for example) with everyone involved to build trusts...

she reach 75 in Jan this year... I guess EPF ain't suitable unless "pinjam" my account

Ah ok. Then no point wasting energy with epf directly for your mom.

And no harm in u lending your epf limit for your mom. It's all about trust and relationships already.

Like my dad don't want to bother with cash flow issues anymore at his age, so I just make sure got certain cash in his bank account for him to use. I take care of managing the cash flow.

U can provide such service to your mom too. 😊❤️

bro i dont understand why you must keep denying EPF as for retirement fund...
just becos it has the provident name part there...

all provident funds can be for retirement

but not all retirement funds can be provident

so why want to restrict EPF?


if mati mati you must remove the provident from EPF
and become your real retirement pension fund,
people might curse you as they

1)cannot get so good dividends any more,
see Singapore CPF.

2) you cannot have flexibilty to send your millions overseas to invest
no doubt when you complained about the increasing limits many reminded you
EPF is retirement fund lah not simply can withdraw..etc


3)when you mati early that is it ,your money is gone,
your kids cannot get the remainder

Gimme EPF any time, so what if it is not real retirement in definition
better than Singapore CPF in returns ,flexibility and control...
apa you mahu lagi?

With current EPF flexibility you already complained EPF was trying to baby sit you,
if really become true pension fund lagi worse lo..

After 75 you're on borrowed time already. Shouldn't think so much about saving, should instead think what's the best way to spend your last years in this world. Actually not even 75, after 70, need to treat each day like it's your last.

Concur...

In financial planning, I used to assume 80 as the expected end age... Then due to media news/updated info, I reworked the plan to 90.
But in reality, it's better to take anything above 70 as extra bonus.. Can see many, if not most, after 70 deteriorate... It's noticeable on a yearly basis... A bit scary really. Besides the obvious hair color/thickness and wrinkles, height changes also quite noticeable.

🥺

Many keep forgetting life is short... Especially when you're in 70 - 80 range... Your time is ticking... Not many can even hit 90 or even 100 in Malaysia....

We're not Japanese people who can live long life above 100.

Just need to find something than can use part of your EPF money. I don't encourage full usage of EPF. Just keep some for children or spouse too... It's can help them future on too....