50yo: Titanium
55yo: Perak
60yo: Emas
65yo: Platinum
70yo: Palatdium
75yo: Vibranium
80yo: Adimantium
85yo: Unobtainium

fear not , it is just an illustration
not going to affect you lah

to explain why money is divided in KWSP
for those who think how come money is fungible
wonder why 1k in akaun 55 treated differently from 1k in akaun Emas...
itu saja...

haha....

at 100, from EPF's point of view, everyone is at most a Diamond created from one's ash, placed in a Columbarium.

lol

Once you hit 55 birthday, they will merge all acct into acct 55 and acct emas. They will prorate accordingly for that 55th birthday month contribution. But do give them few days to sort out. Mine was disrupted right when they doing the 3 acct splitting period last year so numbers was some inflated which I went to counter to sort it out with their officer and internal IT.

Week later all correctly reflected.

Is it a good idea to put in self contribution even if total funds is <MYR1mn? Then technically money is stuck until 1mn/1.3mn/55yrs is reached, whichever earlier..

Unless you got huge emergency $$$ Park elsewhere....

I won't suggest you to maximize the self contribution....

You need to have diversified portfolio....

Above 55yo can consider EPF as high yield savings account ☺️

Just not easy to find relatively lower risk investment that can do better than EPF. Perhaps REITs or US/Global ETFs but even then return is not very certain

low risk investment don't give higher return than EPF boss....

You want low risk... Got 1 in Malaysia.... Kinda easy access too... But limit units & always sold out... It's ASM fund....

Or little higher risk... Then just dump into Maybank shares.... Dividend yield is quite okay... Biggest bank in Malaysia....

Not a bad idea but do ensure that u wont need to use thesee funds for emergency, assuming u dont hv >1.1Mio and are below age 50.

Are you topping via Maybank or via the EPF Mobile app? Use the mobile app is better, immediately the transaction is recorded.

Till now still haven’t credited .. wonder when will it be credited

Probably end of September....

There's also time where they credited in November 😕

i-Saraan incentive payout dates

For Contribution from January to June Only

2019: 13/09/2019

2020: 24/09/2020

2021: 08/09/2021

2022: 19/09/2022

2023: 23/11/2023

2024: 28/08/2024

2025: ???????

This post has been edited by theevilman1909: Sep 19 2025, 12:32 PM

why end month? Is it because the interest only count when the money is in for full month?
ie you bank in on 1st day of month, or 25th day of the month, both also won't get interest this month, only start next month. Like this?

Why end of the month?
Bcos $ deposited on any day of the month will only get 1 day interest.

It does not matter much, if the money available or allocated money for deposit are not making any interest while waiting for deposits in kwsp.
Or the amount to deposit is too little to make meaningful interest for that few days in other daily interest paying platform

This post has been edited by MUM: Sep 15 2025, 07:13 PM

2019 : 13/09/2019

2025 4/3/2025

It's for 2024 payout boss...

I meant...
It's for July - December 2024 contribution....

Jan - June 2025 contribution one not credited yet..... Probably end of September or October....

I think previous statenents already mentioned for "new account holders". Which is why i have opened an account for my kid and put RM100 inside. He is now a legit "oldfag" account.

Many scared it's also affected existing members.....

Like those argument that EPF is empty tin fund... That's why need more people to contribute....