Yes.

Age limit for self contribution is 75yo & 100k max per year...

Account can be active & get dividend $$$ till 100yo...

Before you reach 100yo, EPF would give out notice.... email or mail to your registered address....

Asking you to withdraw ALL $$$

This post has been edited by nexona88: Aug 31 2025, 12:13 PM

ah ok... kinda disappointing if that's the rule... a bit weird as money is fungible...

It also feels like epf is hinting that those who can afford to retire... if you contribute, ur money is stuck...
while those continue working actually cannot afford to retire,and hence the contributions cannot be touched till forced to retire. somemore, official retirement age may change to 65... by then Emas will become Platinum?

It's the rules from years ago...

From positive side... You get to access 100% of your EPF money that you contribute till 55yo....

Unless one were YOLO.... That 5 years period all EPF money used up... Then too bad....

As for 65yo thingy...

Probably it's like current tier withdrawals

50yo
55yo
60yo
65yo

Most probably 50yo withdrawal gone & abolished 😔

then I propose the metal names... for each of the age

50yo: Titanium
55yo: Perak
60yo: Emas
65yo: Platinum

haha. keep all of them.... one day, age 70 will be proposed, and it shall be Palladium. already planned for EPF.

Lolz
Nice one 🤣

Hopefully EPF guys are monitoring this topic.....

Does epf allow dividend withdrawal if got 1M and below 55yo? Doubt can right?

Sure EPF would allow withdrawal as long your threshold don't go below 1mil.... After withdrawal....

Sure EPF would allow withdrawal as long your threshold don't go below 1mil.... After withdrawal....

Wouldn’t this be like a loophole? Husband wife together put in rm500k each into one EPF account then just cashout the dividend annually ?

Husband's kwsp account must hv excess of 1 mil, if husband want to qualified for above 1 mil excess withdrawal
Wife's kwsp account must hv excess of 1 mil, if wife want to qualified for above 1 mil excess withdrawal.
Both must be below age 55.

With 100k max self contributioon per year per account, it would takes 5 yrs to reach self contribution sum of 500k each account

Btw, do it quick, the 1mil threshold is set to be changed by 100k every year for the next few years then will be periodically reviewed and be revised upwards

This post has been edited by MUM: Sep 1 2025, 03:46 PM

What is the latest date we can self/voluntary contribute to EPF ?

2 working days before the last day of the month

For this September month...

It's 28 or 29... Sunday & Monday....

But I suggest earlier.... Scared offline or EPF system maintenance....

This post has been edited by nexona88: Sep 1 2025, 05:34 PM

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.

Age 50 w/d is only for Acct 2, most folks use it to clear home loans or anak punya tertiary education.
I don't think they will kacau this.

I'm not sure they would increase it to 55yo or maintain it...

Keep saying retirement $$$ not enough... Retirement age also might increase to 65yo...

Thanks ...means still can contribute next year.... My birthday far away at end of the year...lol.

Change to 100 later, using Mahathir as an example. Gov hope you die before you can retire.

fungible means RM1k in Akaun 55 is same as RM1k in Akaun Emas
so why KWSP must divide your money?


1.prevent people drain off all money at 55
2.protection for longevity risk, later no money how...

compared to next time annuity come
it would be worse
No division of money there ,so your money is really fungible there

but do you want that?

you cant withdraw lumpsum with annuity
pay out is structured tiil you die
and this is real protection against longevity...
akan datang ?

This post has been edited by guy3288: Sep 12 2025, 01:15 PM

del

This post has been edited by guy3288: Sep 12 2025, 09:59 AM

Don't be yi san yi kuai / fearmongers / suspicious.

Nothing will change for us old fags, it'll be status quo.
Your money's safe and u will be able to access it macam biasa at 55.