I need help too not asking a lot just 100k next year to fill up my EPF - hahahaha 😂 😆 🤣 🤣

Multiple withdrawals during COVID-19 is part of the root cause

it depends on family upbringing and your relationship with your parents

some parents after give birth throw to their in law or their parents (grandpa and grandma) to take care
this is what is happening to the 70's babies - same trend is observed in the 80's babies even up to the 90 babies
for those 2000 babies the trend start to change where we could see parents would rather take up such responsibilities to take care instead of sending their child to in laws or their grandpa and grandma - they rather put kids to baby sitter
then come 2010 and 2020 - now we have child care / baby care meaning after 6 months old u can drop them to this center then u go work, come back go there pick up, then when they 2.5 to 3 years old send to nursery + full day care then off work go pick up
then 7 years old send school + day care + tuition then when you off work go pick up

if rich hire maid
if average is day care
if poor still fall back to parents for help

so if you want your kid to take care of you - you yourself have to do your part on how you grow them up and what type of moral value you instill into them

some dont give a 2 cents about their parents as there is no love in the family
some ]even married insist to have both inlaws stay together
some very rich one buy 3 houses same row both in law stay side by side different house
some just give money to their parents without visiting

no perfect outcome... manage and evolve with the situation when we grow old

Deleted

This post has been edited by virtualgay: Nov 8 2025, 10:00 AM

KUALA LUMPUR: The Employees Provident Fund (EPF) has been central to Malaysia's retirement system, ensuring financial security for workers.

Yet economists warn that longer lifespans, higher healthcare costs, and mounting financial pressures may test its sustainability.

Certified Shariah Advisor (CSA) and Islamic Financial Planner (IFP) Dr Mohamed Hadi Abd Hamid said the EPF's structure must reflect the financial and demographic realities of modern times.

"A sustainable mechanism such as structured monthly payments will help prevent retirees from depleting their savings too quickly.

"It is not only an economic reform but a moral one, ensuring that those who have contributed to the nation's growth can retire with dignity," said Mohamed Hadi.

This evolving challenge has prompted the government to consider a major reform, introducing a monthly pension-style withdrawal scheme under the 13th Malaysia Plan (RMK13).

Announced earlier this year, the proposed scheme would split members' savings into two parts: a flexible portion accessible at age 55 and a dedicated pension component providing monthly payments for life or until the balance is exhausted.

The aim is to create lasting income stability while preserving individual choice.


According to the Ministry of Finance, contributors should ideally have RM240,000 by 55 to receive roughly RM1,700 a month for 20 years.

Yet most Malaysians retire with less than RM50,000, a sum that often lasts only a few years.

To address this, the government is studying a dual-structure model where one portion of EPF savings remains accessible upon retirement, while another is reserved for structured monthly payouts.

Deputy Finance Minister Lim Hui Ying recently clarified that existing members will retain their current rights, with the new structure applying automatically to future contributors while remaining optional for others.

In practice, the model could be flexible enough to suit various retirement goals. For instance, a contributor with RM53,000 at 55 could withdraw RM250 monthly while preserving capital, or RM500 a month for about 12 years.

Meanwhile, for those with RM500,000, monthly payments of RM2,500 could be sustained without eroding the principal entirely.

"This dual structure provides both freedom and stability. It recognises that while some flexibility is necessary, many contributors need a system that protects them from outliving their savings.

"It also nurtures financial discipline, an essential element of retirement security," said INCEIF University Centre of Excellence for Research and Innovation in Islamic Economics (i-RISE) interim director Dr Mohd Zaidi Md Zabri.

By 2040, one in five Malaysians will be aged 60 or older.

Without reform, Mohd Zaidi believes the nation risks a generation of retirees without adequate income, creating heavier social and economic burdens.

"The proposed monthly pension option under RMK13 is therefore not merely an economic initiative.

"It is a national responsibility and a moral commitment to protect workers who have dedicated their lives to building the country," he added.

I smell something
Day day now also got article and someone that publicly speaks about moving to a monthly payment

The crazy part is 500k in saving give up 2500 per month
This is crazy - it is not even possible to deplete the 500k even after 20 years - so they hint 500k? Crazy la...

This post has been edited by virtualgay: Nov 10 2025, 01:50 PM

all this article popping up here and there worries me
i wanted to continue to just go ahead with another 100k next year by cashing some UT and ASM but i might change my mind even i am at 52
this is quite scary....
imagine those who are at 40+ or even worst 30+ and even those at 30+ now have 1.3M they also will shit their pants as you will never know the changes that is coming - although Lim Hui Ying did said it wont impact existing members but the real problem right now is the existing members who been through covid multiple withdrawals...

Another news but from our neighbors Thailand
They only target civil servant

BANGKOK: Thailand is revisiting the proposal to extend the civil service retirement age from 60 to 65, a reform aimed at addressing the ageing population and labour shortages.

The idea of extending the civil service retirement age has been discussed by several previous governments and was even included in the national reform plan, which proposed raising the retirement age from 60 to 63 to address Thailand’s ageing population. However, the plan was put on hold due to the Covid-19 pandemic.

I am 52 so 3 more years I get to withdraw all

EPF Q3 results for last year was out on the 10th Nov if not wrong.... Hopefully within this few days we should see Q3 2025 results. If results is good then maybe 6% is possible... I sound like an analyst kakaka...

This post has been edited by virtualgay: Nov 10 2025, 11:02 PM

i can give u my account - my account is not full
gov not that stupid to have such loophole

remember post here once it is out
most likely next monday lo

There are a lot of rich Malaysian that we all don't know saja

Contribute on Nov 16 → 1 day in November + full December onward
Contribute on Dec 1 → full 31 days in December + all of next year


*contribute here really means when it is reflected in your epf, if you really go and do self contribution on Dec 1 and then reflect on Dec 2 then sorry la... entire month no dividend except for 1 day

so please understand the rules and contribute on 27th or 28th of each month that would be the best
most of the time the next day the transaction will be reflected but on the safe side better losing 2 to 3 days of interest instead of the entire month of interest

I never try before to have it reflect as 1st on my contribution so far so I can't confirm it but I remember reading somewhere said if 1st of the month reflected then it will calculate full month. Anyone can help to confirm?

For me don't take risk

ah.. now i get it.. thank god i never risk it
thanks for the reminder

Need take AUM increase into consideration so that will further dilute the dividend

we all should be happy for now till the Q4 result is out... with AUM increase i think the result is still looking good...

again not to be so happy so fast - it still depend on how many % of payout, sometimes the payout ratio is low

Dah mula
Article from anal-yst start to pop up here and there

We are on the way to higher dividend
Double digit growth with promising outcome on 2025 dividend distribution
EPF doing a great job
More and more...

I hope they all have license before commenting else I going to report to SC then let them kena 10M fine

Imagine auntie uncle who knows nothing and reading newspaper see such headlines sure rushing to put money into EPF so will somehow impact their life's

Some might all in 100k on the end of Nov so they get full dividend in Dec

human are complex