It's for 2025, last year I was still employed. Plus the RM2500 only deposited as i-saraan in late February 2025. Only last month. Several days later they paid out the RM500 on 4 Mar 2025.

My kids also received theirs but it was for 2024. RM3500 was deposited sometime Oct 2024.
For 2025, I have yet to deposit the RM2500..

Perhaps coz mine is akaun emas.

Yes last quarter of 2024 I did, but for the first 9 months of 2024, there are employer contribution. I assumed I will not be entitled for 2024. So put some in during Feb 2025. Got the RM500 in Mar 2025.

I understand where you are coming from. But Jul-Dec 2024, there are employer contributions, mixed with my own contribution. And I thought the RM500 is only for those that dont have the employer contribution the whole year..

I hope you are right, then I can get another RM500 this September. I basically have 4 years to qualify. After that I go past 60....

Last employer contribution was Oct 2024. After that I self contribute for the last months of 2024. My self contribution continued in last week of Feb 2025. Mar 2025 I got the RM500. Hope this helps.

Yes exceed RM3500. Thanks.

For sure. Akaun Emas only exist in your account smack on the day you turn 55. A day before that you still have akaun 1,2,3. On your birthday, those 3 accounts gets consolidated into one total amount under Akaun 55. So on that lucky day, you will see Akaun 55 and Akaun Emas.

2025 4/3/2025

That is correct. The date I stated was for contribution I did Jan/Feb 2025. Got the 500 in March.

My kids accounts got paid the same month (Mar 2025) but it was for contribution for 2024. Which was deposited in Nov 2024.

In June 2025, my kids accounts received contribution for 2025. So now waiting to see if they get the 500 this month.

If you are very confident, why don’t take a bank personal loan?

You mean 8% calculated daily?

The million ringgit level was there for many years. A million back then was a lot of money.
They are just updating it. The essence still remains if you have a large sum in EPF, you are allowed to withdraw the remainder. The essence is still the same.

From recent statistics. There are about 16.2 mil contributors.only 0.13% have a million or more.
For those about getting there 650k-1mil is 0.15%.
Add both playing in this realm only 0.28%.

Plus those in the million ringgit club would also have a substantial amount outside the EPF ecosystem. They don’t really need the money.
Keep in mind, dividends alone will add 50-60k to their balance every year.

I think they will not increase anymore after the 3 years.

To each their own. I see this as an adjustment from the perspective of EPF. The 1 mil threshold has been around for a long time. They needed to bring that up to speed in keeping the essence to only allow withdrawal after you have a substantial amount. And they can’t flip that from 1 mil to 1.3mil. So they do that consecutively for 3 years. Makes no sense for them to do beyond that unless something really drastic happens. I don’t see them retroactively take away the 55 years old access to your account too.

50 and above contributors accounts for 46% aum of EPF. And they are 27% of your total contributors. So if you are younger than 50 years old and nearing the 1mil, you are the needle in the haystack. Epf is not trying to thwart your plans.

Be grateful that we have a privileged institution like epf serving the rakyat. Their existence and purpose is similar to cpf of Singapore. Cpf only seeks to anchor their citizens at a subsistent level while we have the privilege of capitalising on EPF.

The epf is still the apex fund for retirement. It also comes along with some special protection.
Younger people will not see it until they enter their final realm of life.

This post has been edited by BenChiew: Oct 2 2025, 02:10 AM

Once I have fully contributed the maximum 100k.
Then have to look for others. The amount is not much to the HNWI.

Looks deceiving to show you still have 100k.

Both my kids deposited earlier than June 2025 haven’t gotten theirs yet.

This post has been edited by BenChiew: Oct 8 2025, 02:55 AM

Hopefully they will put it in soon. Am using EPF to teach and inculcate a savings habit for my teenage kids. Start them early, make them see the benefits and let the power of compounding effect do its job. Equally important, I am making sure they know EPF is called retirement money. Not let’s buy a house money, not let’s gets a new car money. Or lets go for a holiday money.

This post has been edited by BenChiew: Oct 8 2025, 11:01 PM

Yes can. All your contributions and the matching gift goes into your akaun emas.

Yes. All correct.
Even if it does not serve your purpose, you should also quickly open an account. The government is considering to change the terms of EPF and it will affect new accounts.

I concur with your observation. Wonder when will they pay for contributions from March onwards.