In full agreement - 3 years move once also we headache
So those can't reach target and don't have much discipline maybe need to readjust your self contribution strategy and make sure to calculate if you are able to meet your numbers and this number will keep changing, just assume every year increase by 3% on the safe side
As long as you hit 1.5M by 2028 I believe the next review it won't impact much and dividend is more that 3% per year which is enough to cover

Maybe stop treating it as high yield savings account for those below 55....

This post has been edited by magika: Nov 8 2025, 11:33 AM

Below 50 as those once hit 50 got akaun 2 and akaun 3 that can touch

Based on what you have provided, wouldn’t the dividend and your work contributions make up the rm100k a year? Your voluntary contribution should fall beyond the minimum right?

Ye correct, yearly more than 100k without self contri. And dividend grows much faster now as it’s sizeable.
Usually i dont go into these details, this is getting lersonal. tare not the main points, it’s the uncertainty and sudden change is whay matters.
Anyone can guarantee 10/15 years later full withdrawal still allowed at age 55?
The minister can say something, but ppl change, policy change over time bro.

Btw may i ask what are you leading to by asking the questions above?

If one has better investment opportunity than EPF, just do it saja.. regardless 1.1M or 1.3M.. doubt gomen dare to increase it to 2.0M overnight.. the fear mongering is a bit too much.

I guess he is saying for anyone with big amount in EPF there is no fear how EPF going to increase thresholds....am I right?

Once the amount is big enough, the compounding monster is exponential while assuming the inflation is linear, it will take care of itself even though the threshold is adjusted linearly.

Sorry you feel it’s personal. But thanks for agreeing to what I said.
The OP provided additional information which made it easier to hone down to his exact situation. Many times people say something but assumptions needs to be made simply coz they don’t put out enough information.

As to why I asked those questions, I guess you already answered it for me. Just highlighting that in his position, he should not be too concerned.

Also another point to remember, when the government announced that they are studying the withdrawal formulation. They did stress several times that it will not be retroactive. The first that will be affected are only 15 years old. Those born after 2010.

Just saying. I know of a case. If one hits 1mil at 46,47 and continued working till 60 and your employer pays 17-18% contributions. Will snowball to a massive amount even without self contributions.

This post has been edited by BenChiew: Nov 10 2025, 12:12 AM

That's because you are not thinking with brain, but with heart.

EPF money is yours. When you reach 60, you get to withdraw it. They might change it, but it will take a longer time.

Say you hit 55 and you have RM1mil, but now EPF say you cannot withdraw the access until its RM1.1mil. You have account 3 which would have 100k or so by then to use. Secondly, how many people need to withdraw 100k the day they turn 55?

And if they need to do so, that is exactly why EPF is trying to stretch the retirement savings rather than having retirees withdrawing vast sums to spend on short term items and then don't have enough to survive. They are also the group that is harder to get a new job to supplement their income.

EPF is a retirement fund. Their goal is to ensure people can retire with the money they require. We are the ones that treat it like a HYSA, then gets surprised when it isn't the case.

just dont itchy hand move money from account 3 to account 1

I've been seeing people sharing they are self contributing 100K which makes me wonder, for those self contributing 100K, would like to gauge roughly how much is the % from the annual income. I mean it doesn't make sense for someone earning 150K to self contribute 100K. Or maybe it's like 20% of the annual income, or 10%.

Earning 150k , if do self contribute 100k, means contribute about 67% of earning.

100k self contribution if is equivalent to 20% of income means income 500k

100k self contribution if is equivalent to 10% of income means income 1 million

This post has been edited by MUM: Nov 10 2025, 11:23 AM

repositioning/rebalancing of funds from FDs and such into EPF.

What I mean like if you are contributing 100K, at what income level you only start to do so? Like maybe 500K range? Or only feel more comfortable at 1M range? Because meaning those self contributing also will not have issue no matter how many years EPF change the min balance threshold for withdrawal. Imagine 1M, you only need ~ 3 years to get another 1M, so the additional 100K-300K basically feels no impact.

those who are earning 500K to 1m pa type of income would have already have way more than 1m in EPF... all it takes is like 3 to 4 years to get there for the 1m chap, while the 500K chap is like 6 to 7 years.

plus they don't suddenly reach that lvl of income overnight.. would have accumulated a decent amt along their career.

I think those that can put in 100k are those that has 100k money that they don't intent to touch for many years.
Or those (above 55) that has 100k investable money but just wanted it to be safe.
Or those (below 50) previously put in 100k yearly are thinking that once it hit excess 1mil mark, they can get back 55-60k annualy to spend as passive income....FIREd

This post has been edited by MUM: Nov 10 2025, 11:44 AM

You can contribute even though you are earning only RM150k. That means you are living on RM2k. Something which I am more or less living off by. I can load more than half my salary into EPF only thing is I won't as EPF is not making the money work as efficiently as I like it to. Hence I only contribute extra RM3k per year for income tax purposes. If they increase it to RM10k, I will increase it to RM10k as it is always good to pay less income tax.

I value making my money work as efficiently as possible. Putting into EPF = opportunity cost for me.

This post has been edited by Ramjade: Nov 10 2025, 11:57 AM

Moving funds from ASM and UT into EPF
For salary I have increase it to 20% for quite sometime now
More like rebalancing and once u hit your goal in EPF then the style changes and depends on risk appetite and age.

For me I am slowly selling my UT to fund my 100k self contribution since last year and this year as to reduce my exposure to UT. I start that when I was 50 years old. The money from UT then move into EPF.

So from what I gather, it's mostly moving from other assets to EPF. I was quite surprise many are self contributing 100K, yet our country's median/average income is somehow less than that. So sometimes I was wondering whether I was lurking at places where most high income earners are. If gathering from other assets as well then it makes sense, just that actually earlier years people can dump 100K into EPF, but then again the money must not be intended to be touch until nearing retirement, so other more liquid assets is justifiable.


However I still haven't max out my 100K contribution and cannot afford to do so yet

This post has been edited by jasontoh: Nov 10 2025, 02:16 PM