Epf is making changes to the already existing policy of 1.0M excess withdrawal and updating it 1.1 till 1.3M

Is a policy changes and can be determine by the epf board and it does not require to be set as a law

Policy changes vs law changes very different
Basically epf is quite powerful if today they decide to increase it until 2.0M we can't do much as this is within epf power

So don't play play with EPF

where u guys park your money after reach Rm 100k self contribution.

1. Bond --> i tak faham
2. Amanah saham --> no time keep pressing to buy
3. Share --> rugi banyak last time. dun wanna touch
4. Crypto --> same also
5. Gold --> not familiar

Now temp. all FD moment at 3 % ++ interest. any suggestion others than the above?
if not, my hand itchy start spending ady.

After the news of World Bank 70 years old recommendation, are you guys spooked out of doing out monthly self contribution?

A retirement fund is your own savings. money you contribute and invest for your future.
A social pension is government support to ensure basic income for the elderly, usually funded by taxpayers, not one's personal savings.

what's savings? no need to describe too much. retirement fund is your own savings.

Actually, I don't mind seeing withdrawal age changed to 75 even. Being locked longer is better... the people needs baby sitting.
EPF is such a small portion of my portfolio nowadays. lol 

Overseas Malaysians would already have the host country's own version of retirement funds...like Superannuation in Oz, 401K in the states or CPF in SG.

Whether they need to maintain a sizable balance in EPF debatable, and really depends on their retirement plans. Specifically, if they intend to retire back in Malaysia. If they do, they are in luck as the geographical arbi already works in their favour and they may find EPF to be redundant.