thanks but
my question was if I deposit on say 15 JAN 2025 VS 15 DEC 2025 and amount of 100K

would it make a difference the dividends I would get in 2026?

should be the same right?...

was thinking what would be a better way is that :-

if you have 1.1mil+ in EPF...

you can take out 100K from EPF beginning of the year after dividend payout.. 

then take this 100K and put in FD for 6mnths
then once 6 mnths expire put to 3mnths FD...

then before year end... just move back 100K back into EPF...

in this case wouldnt you benefit from FD interest for 9mnths + then the EPF dividends from 100K?.

Done contribution today for year 2025 after getting all sifu advice
Happy Chinese New Year and Happy holiday.

[attachmentid=11509411]

i know their background very well.

EPF attractive dividend. Thinking of topping up.

Any particular date in the month to bank in for the dividend to be counted for that month ?

Yaya, but likely to be better than FD of 3.85% to 4%.

How they count the dividends by date of month bank in ? Or there is cut off date for dividend to be counted for the month ?

anyone hold their horses due to Retirement Income Adequacy (RIA) Framework and stop contributing because u know u wont be able to hit the numbers?

Regarding withdrawals, members with savings exceeding RM1 million currently have the flexibility to withdraw and manage the excess savings. This threshold will align with the Enhanced Savings benchmark and will increase as follows:

RM1.1 million by January 1, 2026
RM1.2 million by January 1, 2027
RM1.3 million by January 1, 2028

after 2028 maybe increase again to like 1.4, 1.5, 1.6 - if continue like that nobody would really want to self contribute as it is a chasing game

If as off 2025 i have 1 million now then 2026 in order be be eligible to withdraw u again need top up 100k
so my advice is pls dont go all in as 1 year self contribute only 100k if u are around 800k better forget it
if you are at 1M maybe still possible

That is why I want to get some opinion and keep pushing it or really tarik kuda and stop saja

pinjam thread to ask question :3  soo... soo.. if i still young Gen Z its nono to contribute to EPF? :confused:

Unker encourage you to go ALL in the stock market and crypto investment out there. Unker would be waiting for you. When someone with experience meet someone with money, the person with experience ended up with the money, while the other person got his experience

im 36 yo this year and have about rm 1.4 mil..i am contributing max rm 100k per year. as per my calculations, i can reach rm 5-6 mil by the time im 45 yo. Hope by then i can retire

i am of the opinion that EPF should raise the limit of contribution to 100 years old... why artifically set the max age for contribution to 75. Silly right when based on EPF's own argument, people are living longer etc and worried not enough to last till death rite?

Allow the members the choice... although at 75, one most probably should be spending one's money rather than hoarding more.

Confirm the dividend for account 3 would be lower...

For quite some time, No this features available in i-akaun apps.... "Suddenly" got... So it's for 2025 dividend in February 2026 announcement 😁

Maybe during Q3 announcement, they might give hints...

Thanks. Just tried. Can transfer back amount from Acc 3 to Acc 2.

What's the function of moving acc 2 to acc 1? 💭

Don't need to guess...

EPF boss already mentioned last year during the reorganizing of EPF accounts... With introducing of account 3... Dividend would be lower for highly liquidity instruments.....

When it would be is anyone guess... But with feature available in i-akaun kwsp meant they is moving towards that for 2025 dividends...

even for my age i still dont know how to use money
dont know is a big word so let me go into detail
1. should i change my car since it is so old and lack of the safety feature yet my old car still usable and hardly give me any problem so until now i never change my car
2. should i renovate my house toilet so it is wheel chair accessible but i am still no on wheel chair and should i continue to wait
3. should i book a Europe trip for my family instead of just travelling within Asia but i yet to explore all of Asia
just 3 simple example saja.. there are more
see i keep finding excuse for myself not to spend money or spend less money
nobody can help me

I understand fully. I feel that the general sentiment is people feel that they can out perform EPF if they manage their own wealth.
After some costly attempt, I for sure say I will do much worse than EPF.
EPF is there so save us from our emotional investing tendencies but ironically it is their emotions that cause them to distrust EPF.