What I know...

Those below 60yo is qualify.... As long there's No Employers contribution....

New contribution from 55yo to 60yo lumps into akaun emas....

So you got 2 type of overall account.... Akaun 55 which 100% balance can be withdrawn..... Akaun Emas

This post has been edited by nexona88: Oct 13 2025, 02:26 PM

>55, <60 and no employer’s contribution

This i-Saraan is a new and separate account which I need to register new on top of existing account55 and account Emas?

This post has been edited by jojolicia: Oct 13 2025, 02:34 PM

I think,
If you are not yet 60 yrs old and does not have employer's contribution during the period where they do the computation for i saraan payout you will be eligible for i saraan incentive.

If you do fund transfer FPX, ....I think some banks allows you to select the purpose of fund transfer to kwsp. Select i saraan instead of self contribution

I saraan is an incentive not an account thus is not a separate jwsp account.

How To Register i-Saraan
https://www.kwsp.gov.my/en/member/savings/i-saraan

Thanks for the replying and the link.
I now understand it’s not an account, it’s a self contribution by way of i-saraan and I need to register myself.

Thanks again to you and nexona88 🙏🏻

This post has been edited by jojolicia: Oct 13 2025, 04:55 PM

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

Noted, thanks for replying

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.

So true...

If one child already reached 14yo minimum age...

Better fast2 open up new EPF account.... Don't need to be i-saraan or what... Just open & dump rm100 for initial $$$....

should change law to allow child who start to earn money like even at age 7 to have epf account
some child actor start as early as 7 years old
l

What I know... EPF following the employment law something... Which stated minimum working age is 14yo...

If 7yo, already consider as child labor & could be against the law 🧐🤔

got watch any drama made in malaysia? be it Malay or Chinese drama... sometimes u see kids at age 7 or 8 in them? sometimes you see babies few months old pun ada... so technically they are working.. so how?

some malaysian influencer have their kids on screen (tiktok, youtube, instagram, facebook) who are even under the age of 14 so how?

so they do charity work for their mum and dad

I'm just stating the information I know.... And what EPF said too...

Those kids working for dramas & others.... Not sure if they against law or not... That part human resources department or those related department need to answer....

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.

This post has been edited by BboyDora: Oct 15 2025, 02:54 PM

If you have kids, get one Didik akaun and invest via that account for yourself / kid. ASM 3 is buyable for their akaun.

This post has been edited by angelofpain: Oct 15 2025, 03:01 PM

Are you an employee?
If yes, you can tell your HR/finance to increase your mandatory contribution (no limit)

Depends on
How much ROI you wanted per year?
How long would you want to leave it there?
How much losses in % can you bear to loss without exiting?
How much money (after reached 100k in epf) are you talking about?
and this money that you wanted to invest is equivalent to how many % of your investable cash or net worth?
How much effort would you want to spend per week to try to get that wanted ROI?

In short, ....depends alots on your risk appetite and risk capability.

This post has been edited by MUM: Oct 15 2025, 03:25 PM

Given you are looking at a safer side of things judging by your comment, have a look at KDI Save (4% for up to 50k), or just any MMF from FSM / MooMoo.

Try unit trust and keep for 3- 5 years and see how is the performance.

yes. safer and lazy type. no need to observe. 4 % is good

need to pay commission right? will also rugi?