Share with you guys low end properties bought as recent as 2019, oldest in that list also 2012.
returns are definitely better than EPF

All of account 2. After 55, acc 1 and 2 will be merged and can withdraw any time. The fresh contribution after 55 be be in acc emas

thank god i come here... now i realize i no need to take everything out from my EPF but use the dividend to pay for monthly installment, i think by the time of my retirement, my dividend if taken out should be able to cover about 80% or even 90% of my monthly installment and will only have a gap of 10% to 20%... if i continue to pay more monthly installment now and also with salary increment till i hit 60 then i should be able to even cover it 100% with dividend as my EPF will continue to grow

you guys are smart how come i never think about that..
this is the best advice ever.. dont need take EPF then dump everything in.. just use EPF dividend to cover it as my repayment is not super high

I think my goal now is:
1. work towards bringing down the housing loan amount by paying additional RM100 to RM200
2. ensure that when i can no longer work 55 / 60 then then my EPF dividend yearly should pay for my monthly installment assuming my monthly installment is 1.5k my EPF dividend should have at least 18k per year

with this 2 goals, i should be able to live comfortable till 75 or even 80....
if i am luckly my EPF dividend should be able to cover my mothly expenses...

good good!! now i see some light

Do you have online access yet? if not, you still need to go to a EPF office to set it up.

If you have access, then go to the withdrawal tab (kwsp website) and select your withdrawal type. Under savings of More than rm1 million type, choose that and ur bank account and bank name will appear.
(I don't know if other type will display the same or not, but suspect not all will display).

For account above 1 mil, No need the bank statement. But for 1st transaction after you do online transfer,  you need to do thumb print at counter or IC for varification at their ksiok machine. Email notification will be sent to you.
The register bank account number will be varified for future withdrawal.
Each withdrawal must below rm30k and banker name shld be remained, either above 30k or change of banking account, you need to go to varify again
It is just like saving account, the amount exceeded 1 mil can be withdraw any time, and no limit for how many transaction as long as sufficient fund and not more than 30k per transfer

For > 55 YO, I am not sure process will be the same, better drop by or call to check

Cheers

25% of epf (Acct 2 and 3) not enough emergency money?

I used to keep all emergency funds split in my Asx and Housing loan flexi. But once I pass 50 I reduce a lot since can now access Acct 2 and 3.