I just read the stimulus plan takes 50b from EPF. That means less money earning money for us right? Meaning the 50b is not generating profit for members and later reduced interest payout. Please comment.

cant find original article but this mentions something similar https://www.thestar.com.my/business/busines...smes-marc-urges. even for withdrawal I doubt epf has that much cash for immediate withdrawal unless they have been sitting on piles of cash, which in turn is earning less. anyway my point is this seems like short term fix but has long term ramifications. Govt should not touch epf money at all. Giving you money now, pay less dividend in future and seems unfair for those that do not withdraw.

actually my question was a 2 parter, if 1 is true what do we do and you had given suggestions. Am actually deciding if I should take and settle part of house loan since i believe the return will be slightly higher than fd rates in the coming months.

in normal times that is true. I just have doubts epf will give higher return than 4% for the foreseeable future with all these withdrawal. Just my opinion.