I think, Different people will define "low risk" differently at different stages of life and also at different of networth level.

what is the next best thing that is low risk?
i tell you none..

look no further other than EPF

did you say weird people convert EPF money to equities?

didnt you read from the complainant above?
boasted made a lot in equities using his EPF monies
EPF 'useless' only 6%.......equities can earn much more...
lost he will keep to himself lah..

majority of people who stay with EPF find no
next best thing that is low risk

but that doesnt mean they dont have equities, bonds, crypto etc

bonds have a lot of risk?
then you may be left with FD ASM only...

very limited choice....

my advice to that 38 year old already having 800k in EPF
just concentrate on your work, climb higher in career
take 5-6% return first
until he is ready for higher risks products

as a 52 yo unker i would say i cannot take risk at this age
if i am now 30 yo i would take crazy risk

what about at 40? hehe...

Oh..i thought you wee referring to yourself there Its another person. So you are doing ok?

On risk..the best way to manage risk is through knowledge. Without knowledge, many things are risky.

When you make a blanket statement that "corporate bonds have a lot of risk", it tells me that investment knowledge needs to be upgraded. Read up more on bonds.

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

i only trust epf investment and nothing else

How much would one value capital guarantee feature. (in EPF case only value guarantee though, not when-can-take-out guarantee)
Example:
Fixed value EPF 5% pa
Corporate bond 5.7% pa
At what point would you rather put the 100k reserved for EPF self contribution into Corporate bond. 5.5%? 5.9%? 6.3%?

But while I feel biggest factor is still age. Like young can risk more, but at the same time with time compounding power is only obvious when you save earlier
I only wish Tax deductible for EPF could be higher. Current amount is negligible

hi all,

For those that has open an i-Saraan account for your child, which is still studying (student), what did you put as your child's occupation?

Can you advice?

I've reached out to KWSP and apparently putting Others - Student is not allow. So wondering what other parents are doing to open i-Saraan account for your child?

Any advice is welcome. Thank you.

Simply put. Use your imagination. If want to be a stickler for 100% rules following then ......

Its not just the guarantee on capital...

EPF (conventional) also have a min guaranteed div rate provided by gov of Malaysia.
plus a call like feature with participitation on equity market.... when market does well and FM allows payout of course...

put.... santa's little helper for housework...

I remember someone fill up e-sports professional, professional gamers or even social media influencers....

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

On your this question, .....
"How much would one value capital guarantee feature
At what point would you rather put the 100k reserved for EPF self contribution into Corporate bond. 5.5%? 5.9%? 6.3%?"

I would just ask myself, ...
For the hard earned RM100k, how much am i willing to earn less per year to have a peace of mind knowing EPF has minimum rate and Govt guaranteed.
Where else local Corporate Bond has risk of defaults and ratings downgrade and not pidm protected or Govt guaranteed.

KWSP averaged 5.5 - 5.8%
At a rate variance of 0.7% that will result in a variance of RM700, At what variance of RM amount would I willing to forgo that peace of mind?

I think if wanted to make abit more $, some would prefer Cash Trust fund over local Corporate Bonds as not yet hear of local Cash Trust fund defaults.
There was an existing active thread in LYN on Cash Trust.

From a risk return profile, epf is superior to corporate bonds.

However there could be other considerations which are subjective to the individual like liqudity and diversification requirements.

This post has been edited by Cubalagi: Oct 3 2025, 11:07 AM

Ya lah EPF any time safer....

But if EPF less than 1.3million scared money stuck then bonds lah

Me EPF full first then only others...
Ada masuk takda keluar punya..
sampai bila bila..m


This post has been edited by guy3288: Oct 3 2025, 12:15 PM

EPF isnt a piggy bank to rattle...it's the jar i sealed
tight..

first to go in last to come out

just want to ask, is incentive from goverment RM500 for i-saraan 2025 already in? last year on august already goot it. anyone already received yet for 2025? TQ

not yet. should be end of this month

refer to POST #5493 for Dates of crediting of i-saraan incentive

This post has been edited by theevilman1909: Oct 4 2025, 02:29 PM