Maybe for you can la... I now 51 yo
Can smell the coffin ⚰️ jor

Still got like 8 year or 9 to "work harder" to fill up your EPF 😁

ai yah... if got chance, should continue till hit 8 figures mah....

then every month can take the expected div out and really play in las vegas... 

Now I also slowly moving my ASM to EPF
Next year all in EPF must hit 100k contribution that is my goal

2026 what age?

Today I had just max out my critical illness coverage with 10 policies from iLindungi, and I found it quite affordable compared to agents. Even my agent mentioned it's inexpensive, and it's not possible to get a quotation lower than KWSP. Am I making the right decision?

Under maintenance now.

EDIT: It's up and running now. Just done top up.

How I wish..

Just a kucimiao top up nia.

why cant deposit into bank Acc..  then use online to transfer from bank acc to epf?

saves the hassle of filing up forms...

Cash is King 😜

But need to smart too...

Don't go above 25k is good enough already

Try to keep below 20k is sweet numbers

If we do withdrawal in Jan 2025 for housing lump sum (whole account 2) before the dividend announcement in Mar/Apr 2025. we will still get the full dividend for 2024 for the whole amount in Account 2, right?

https://theedgemalaysia.com/node/736287

# RM10.78 bil withdrawn from account 3 as end September, 3.86 mil members

# RM9.39 bil voluntarily contribution by 872,000 members as end Aug

# 37.8% or RM462.12 bil is invested overseas

Careful don't mention politikus by name or designation....here very sensitive people....

Be grateful that the percentage didn't reach 70% yet...

Not relevant data set..members below 55 years old is a huge range. When I started work I also had below RM10k.

They should be publicising the balance of those closer to retirement like 55.

EPF launches three-tier savings framework for different retirement lifestyles

KUALA LUMPUR: The Employees Provident Fund (EPF) has rolled out a new three-tier savings framework as a reference for Malaysians to maintain different levels of financial security post-retirement.

Launched in tandem with Belanjawanku 2024/2025, the newly introduced Retirement Income Adequacy (RIA) Framework revises the recommended savings level from a single benchmark to three tiers, comprising "basic", "adequate" and "enhanced" levels of savings.

According to the EPF, the RIA Framework, which is set to be implemented in January 2026, allows members to set savings targets that reflect different retirement lifestyles and aspirations.

"This approach emphasises the importance of viewing EPF savings as a source of ongoing income, helping members to understand savings they will need to sustain themselves during retirement," said the pension fund.
The RIA Framework will be based off the Belanjawanku Guide, developed by the EPF and Social Wellbeing Research Centre (SWRC) at the University of Malaya, which estimates the minimum monthly expenses needed for a decent living standard in Malaysia.

According to Belanjawanku 2024/2025, a single elderly person must have access to about RM2,690 monthly for their retirement income to be deemed "adequate".

Under the RIA Framework, a person falling within the "adequate savings" tier must have 240 times the adequate retirement income, rounded down to the nearest RM10,000. Based on the RM2,690 monthly income recommended in Belanjawanku 2024/2025, this amounts to RM650,000.
STARPICKS
LEADING THE WAY IN SUSTAINABLE WATER...
For the lower tier "basic savings", a person must have 60% of the adequate savings amount, which is RM390,000.

The higher tier "enhanced savings" must have two times the adequate savings sum, amounting to RM1.3mil.

The EPF noted that the basic savings benchmark of RM390,000 represents an increase from the previous RM240,000.

It said there will be a phased transition with the basic savings benchmark increasing gradually by RM50,000 annually over three years until it arrives at RM390,000 in 2028.

Due to the rising cost of living, the RIA Framework will be reviewed every three years starting from 2029, using updated data from the Belanjawanku findings.

Meanwhile, the withdrawal policy for savings above RM1 million will align with the enhanced savings benchmark, offering members flexibility in managing their surplus funds.

Like basic savings level transition, the threshold for this withdrawal will increase gradually by RM100,000 annually over three years.

Additionally, under the Members’ Investment Scheme (MIS), members can transfer 30% of savings above the basic savings amount in Akaun Persaraan to approved funds managed by fund management institutions premised on the new basic savings table effective Jan 1, 2026

EPF CEO Ahmad Zulqarnain Onn said the Belanjawanku and RIA Framework help average Malaysians navigate the challenges in managing household expenses.

“By offering a comprehensive view of monthly expenditure and introducing new savings benchmarks, we aim to guide our members toward achieving a dignified and fulfilling retirement.

"These initiatives not only underscore EPF’s commitment to adapting to evolving socioeconomic realities but also reflect our objective to stay relevant and responsive to changing times. Our goal is to ensure that no Malaysian is left behind in planning for a secure and meaningful future,” he added.

The Belanjawanku 2024/2025 can be downloaded from the EPF website at www.kwsp.gov.my.

The Belanjawanku App can also be downloaded for free from Apple App Store, Google Play, and Huawei App Gallery.

https://www.thestar.com.my/business/busines...ment-lifestyles

All starting 2026

min excess withdrawal threshold raised 100K annually for 3 years..
by 2026 : Anything above 1.1mil can take out
by 2027 : Anything above 1.2mil can take out...
by 2028 : Anything above 1.3mil can take out...

basic savings raised annualy for 3 years..
by 2026 : basic savings 240,000 + 50K = 290K
by 2027 : basic savings 290,000 + 50K = 340K
by 2028 : basic savings 340,000 + 50K = 390K

They didn't get feedback from the Top 0.5% before implementation. The Top 0.5% are very financially savvy.
Unfortunately, they're treated like little children who doesn't know what to do with their wealth.
But again, with the pen in their hands, they don't really have to care about your point of view

You can only restrict your children until they're 15 years old. After that, if you continue to dictate how they should live their life, they will probably leave your house and go somewhere else.

moral of the story

be the majority

and your wish will be granted

some more 10% of their shares is nothing compared to what the rich holding so win win

Following the majority lor 😁

Especially those lack of money for retirement

They don't really bother with those higher tier, but increase to 1.3mil instead...

Or maybe they monitor.. these people make EPF like high interest Savings account... Need to stop it 😁