Mean money from self contribution or employment (already over 55yo) goes into acct emas will be tied up until 65?

So far there's no tier dividend being implemented by EPF.....

Even for high liquidity flexible account 3....

Need to wait for official announcement if there's any changes... If any... Probably next year during FY 25 announcement & dividend rate....

not the end
now is RM1.1M till RM1.3M
after RM1.3M might keep increasing
make sure you have enough money to keep chasing the number else better dont over commit and put too much money inside later cant take out

in KV 5mil...
out of KV.. 2-3mil suffice

You guys talking about 2mil, 5mil or even 10mil for retirement....

But do you guys actually realized majority not even close to those numbers stated..... Wayyy off from it actually....

So what going happen on all that fall into this "hardcore poor" categories....??

How come suddenly concerned about this 1.3M threshold? Shouldn't really affect you much already since you're a few years from 55, right? (gam gam 55 in 2028?)

For those of us still "too young" (below 50), your earlier point is the real takeaway: adapt... adapt... adapt... Time to relook at retirement planning, cashflow needs, and whether topping up EPF is worth it if the goalposts can shift anytime.

Also, for context: the RIA framework is pegged to 2023/2024 data, and EPF already said it'll be reviewed every three years. Does anyone here seriously think that by 2028 the cost of living will remain the same as 2023/24? As if inflation suddenly stops? Even using something as basic as my earlier chicken rice index at ~5% p.a., 1.3m rm today becomes 1.6m in 2028 (rounded up from 1.586m). And the RIA begins again...

So yes, “RIA” is a nice acronym... a moving number. No wonder EPF RIA lar...   lol 

(for those above 40, the bigger risk isn’t this threshold at all — it’s whether EPF decides to "align" with a future retirement age of 65. If that happens, don’t be shocked if 55/60 withdrawal ages quietly get shifted up too.)

I would rather have Grade C+....

Why I got feeling....
To minimize backlash....

Only applies to new EPF members???
Like the proposed EPF annuities scheme thingy....

Existing members have options to opt or not 😑

Or worst... Many think that they should be able to withdraw and access it anytime they want... No thanks to some short slighted politicians during COVID that set all the wrong expectations...not once not twice but four rounds... And on top of that we have these same folks asking for super high % return like their friends said so investing in equity ...Without understanding the EPF charter.

Even if the withdrawal age say raise to 60-65, it won't make any difference to these folks will still deplete it within 3-5 years.

folks that need pencen plan the most are the folks that want lump sum withdrawal...