I am not sure if the adjustments will have any impact.

If you have 1,000,000 now the dividend will likely be around 50k + per year and so will your regular contribution. That already offsets the 100k increase. Any amount you dump in by yourself will thus be able to withdraw. I dont see any issue.

I am sorry but that is not (even) an argument. That is a statement rooted in ignorance or stupidity at best and would generally be labelled just as "wrong". EPF is like any other investment fund when it comes to the fact that you own an diverse piece of the investements. All the money is there its invested just like in another investment fund. I really cannot brain where those idiotic statements come from.

There is nothing to listen to at the other side when the sentiment is facbricated hot air. A discussion would actually require an opion based on some sort of facts. The argument given is just a sad bag of crap with absolutely no relation to reality whatsoeever. This is not not an argument to begin with and no there is not an ounce of a valid argument there. That would require any relation to reality whatsoever. Their "opinion" is a delusional mindset poisened by rumors, distrust and social media. Nothing more to it. If sentiments like this have any bearing in this world, then say hello to the new USA. Come back to me if you have any actual facts that can be discussed.

My HR is asking questions regarding my interest in increasing my Voluntary Excess (VE) / i-Topup to 50% and told me cant be done if I already contributed 100,000 through self-contribution. This is bullshit right? I maxed 100k and my contribution rate was 14% since years already.

I just checked with EPF through WhatsApp - my HR is wrong:


"You are eligible to top up your contribution under i-Simpan up to a maximum amount of RM100,000 per year. It is a contribution payment made by yourself.

For the VE option, it is a contribution payment through salary deduction and made by the employer. It is not counted at all with i-Simpan. So you are eligible for the VE option to increase the contribution percentage"

Apparently you can set it even higher than 50% which is great. I am currently divesting my US investments and this a quick and easy way to get the money into EPF for retirement. Risk appetite getting lower with age now.

Did make zero sense because all this while my contribution rate has been 14% with maxed out self-contribution ¯_(ツ)_/¯

This post has been edited by PJusa: Dec 8 2025, 03:58 PM

I think highest you can go will be Salary - deductions (SOCSO, LHDN). So probably somewhere between 75 and 80%?

That would be funny though. But realistically it should be around there. I will ask my HR - they love my EPF questions