no lar... i say only I am fine with 75.... of course I prefer access way earlier like 50 years old. 75 would mean I had to wait 30++ years to gain access eh.... that's longer than the total amount of years of me working for a salary! lol

More degrees of freedom and flexibilities to manage my finances, the better.
That's why unlike others, I look at the bigger picture and not just think for my own case... my arguments has been more freedom is better.

U take almost everything out for diversification now say ok with 75. Previously cry father cry mother when say RM1.3 million only can withdraw excess. Quite hypo...

No lar. I had always been consistent. You can read back my comments in both epf threads...

The ok part with 75 is just to share that I personally don't really care... So you now know that my stance that all these changes are unfair to epf members are not for my personal selfish reasons.

Btw, the 1.3m limit.... The actual number 1.3 is not the concern... The fact that it is a moving target, that's the concern. Together with noise like pension cash flow... And now news abt rising retirement age and hence withdrawal age... If one do not consider these in one's portfolio management, well.... One should.

And like I said previous a few times, thanks to FM and all these news, I dare say epf is a small portion of my portfolio that it doesn't really impact me anymore. And I tried my best to share my concerns to everyone with all honesty.
Up to each to internatize the opinions and concerns.

This post has been edited by Wedchar2912: Nov 4 2025, 04:30 PM

Sorry maybe off topic here, but where you get info on ASM planned released units
and thanks for the push, I just went ahead and activated myASNB (had a physical account but never use the myASNB)

Cash / savings small portions into asm, kdi save, even some high yield savings acc.
Different situation though i cant access epf for another 10 years so i want flexibility even though epf can give higher dividends. But anything can happen in 10 years. They already move 1 mil min withdrawal to 1.3 by 2028..

What if they move full withdrawal from 55 to 60/65. Sorry i dont need this uncertainty.

Thanks I think I am on the same boat as you. KDI Save, maybe I will start putting more than 50K, ASM hope to get some more units in Q1 2025. Promo pots/jars/FD in Aeonbank and Ryt.

Great bro, yes asm is really good tool

I also have some funds in PruSaver, which is offered via UOB. Not savings, not fd, insurance plan, but gives fixed interest. There’s a thread in LYN too. Can check it out and evaluate.

rare opportunity
4.6% pa x 2 years
free insurance
best part is use creditcard money
get points cashback
take back as cash

Indeed bro. But this year promo is 4.2%.
Next year probably drop more.

EPF said it will review the ria framework every 3 years
Don't worry so much as 1M excess withdrawal was implemented back in 2007 and now 1.3M withdrawal will be effective in 2028 so it take at least 20 years for gov to move up 30%

Let us just assume 20 years move 30% also it won't matter much as after 20 years most of us here either up in heaven or at least 50 years of age...

2007 - 1.0M
2028 - 1.3M
2048 - 1.7M
2068 - 2.2M

This is base on every 20 year increase about 30% lo....

Hi bro, well no one knows for sure already since they made changes and reviewing retirement age too.
Any figure is unconfirmed, which is uncertain. I do not like uncertain things.
I still have full trust in EPF system. I just have no confidence that 10 years later full withdrawal still allowed at 55.
So i just will stop self contibution, but as I am still working, my epf will still continue to grow. That’s the best way for my for my situation/age.

Why allow some hearsay derail your plans?
If at this age, you are already having the ability to be within range of the million, don’t worry so much. If one has a million, it’s not a big deal if they increase the amount by a hundred k. Since the dividends can cover half of that. The other half will likely be covered by your ongoing contributions.
I don’t envisage them changing and increasing it every year. Once they get to 1.3mil, it will stop.
The essence of allowing withdrawals after a million is in line with substantial amount. It was then but not so much now. So the new level is 1.3mil. Should not be a problem for you to get there.

It was mentioned many times, any changes will only affect the new account holders which is basically 13 years old today.

If you look at the statistics published by EPF, you will realise the pareto principle applies. Changing the withdrawal age to 60 or 65 would have no material effect on the existing people.

This post has been edited by BenChiew: Nov 7 2025, 01:21 AM

btw, what do you mean by pareto principle here?
one pareto principle i am aware is the 80/20 rules... how does this apply here?
the other is pareto efficiency.... can always improve 1 variables without affecting others. if it is this, how does this apply?


but back RIA....
I don't want to ruin your mood, but EPF terang terang already said this. I quote

"Future Adjustments to Reflect Cost of Living
To remain relevant to rising costs, the RIA savings levels will be reviewed every three years, starting in 2029, using updated data from the Belanjawanku findings."

the link from EPF:
https://www.kwsp.gov.my/en/w/epf-releases-b...quacy-framework


basically, it is based on cost of living, which we all know is impacted by inflation. Why would we assume from 2024 to 2029, inflation suddenly stopped?
If we don't plan for this changes every 3 years at least, it would not be logical.

as much as I want the threshold to be static for 20 years, I really don't think so...(I am on the camp of keeping the threshold at 1m if possible)

EPF already terang terang said every 3 years will review.... (the link in my above post). Cannot run away.... ie no way EPF can claim for 20 years, no inflation.

but if one is close or above 50 years old, can still discount this concern a chunk... but not all the way.
those like 30 yo, best to assume 3% inflation adjustment every year....

its only logical. (chicken rice also went up like 1rm since 2022.... and almost all ingredients of chicken rice are price controlled items somemore)

This post has been edited by Wedchar2912: Nov 7 2025, 11:40 AM

policy / law makers / MPs dont look at only a few of us, they create policy for the mass majority so you are right if things dont look good then they might keep increasing the withdrawal threshold from 1.3M to 1.5M or even more every 3 years
they keep increasing does not fix the root cause of the problem - the real root cause to me are as follows -

retirement age does not match epf full withdrawal age (60 vs 55)
when ppl get their money at 55 they stop working but their official retirement age is 60 then it cause workforce problem
so best is to keep it consistent by moving everything up 5 years
if u cant touch your money when you are at 55 you will continue to work till 60

again if i am a MP i will make such decision before it is too late for our country

This post has been edited by virtualgay: Nov 7 2025, 12:14 PM

Not quite the 20/80 proportion but wanted to say the majority of the AUM is held by the few people.the op was worried the withdrawal threshold will keep shifting upwards. It will only affect a very small number of people since most are nowhere near even the 1mil. And those that are near that realm and and still young should not worry too. Since the dividends on a lofty amount will easily cover half of the increase. The other half can be fulfil by their own work contributions. Unless one intends to keep no more than 1 mil in EPF would be concerned.

I noted that RIA is ongoing, but do you see it increasing constantly at rm100k a year? If that is necessary because of inflation, we would be facing far more serious issues than what is allowed to be withdrawn. Epf is basically meant for retirement and nothing else for most people.

This post has been edited by BenChiew: Nov 9 2025, 03:41 AM

Unfortunately, I do think the adjustment is bound to happen... whether annually or every three years. EPF has already made it clear that the target is tied to Belanjawanku, which itself is based on actual spending patterns.

The formula listed is quite straightforward: 2 × 240 × Adequate Retirement Income. Once spending benchmarks move up, the EPF target naturally follows.

And if we think back, EPF announced this framework last year and there was almost no pushback (I cannot even recall any MPs make any noise). So it’s safe to assume these periodic adjustments will continue.

As for the magnitude, a more reasonable estimate would be around 30K to 40K per year. If we assume inflation averages 3%, that works out to roughly 1.3 × 3% = ~ 39K, which feels like a fair, data-consistent adjustment.
(technically the first year's can be 100K, since they delayed the current implementation by 3 years)

Hi bro thanks for your detail thought.
Well as also explained by other bro above, the numbers are tied to Belanjawanku. This edition of Belanjawanku lasts 3 years. 3 years later they will publish a new one. So logically due to inflation, the new number will be calculated and used to determine the figures required for retirement. This number is what EPF use to increase min balance before withdeawal is allowed.
On a side note I just hit 1m in epf but that’s not the main point, the key point is I am not self contributing more with all the changes happening which is out of my control. Again I’m haopy to let the money stay till when ai am 55 but will be very unhappy if they move it higher.

This post has been edited by justanovice: Nov 8 2025, 08:28 AM

This sums up perfectly. The RIA framework is a continuous framework - sums it all. It’s not a one off exercise. The variable is the amount only.

First of all congratulations to your 1.0M milestone
If you are like me 50+ then just continue to contribute more since got 50 as a backup
If you are like 40+ then maybe you might want to plan your contribution as 1.0M now does not equal to 1.3M by 2028 and best is plan to reach 1.5M by 2028 because you need at least 200k as emergency funding if you treat epf as your emergency funding.
If you are 30+ or below then take it slow and again if you are able to make your epf 1.5M by 2028 then go ahead