Seems like there is a connection:

1) High dividend for 2024
2) More people are investing voluntarily into the fund
3) Increase the retirement age

So we can only withdraw after 65 years old??

Most importantly jangan increase RM1mil withdrawal threshold can liao


Ok sudah naik liao me slowpoke. Its RM1.3mil withdrawal threshold in 2028

This post has been edited by JustForCheonging: May 28 2025, 11:06 AM

EPF is sanctioned by law and it should be very stable unless country economy not stable

You see they also keep asking people to put funds in.

Just like some scheme

Try unit trust and face some negative interest and suck dry your funda

Here comes the fear mongers again

EPF in trouble is like Gordon Chang China is collapsing

.

This post has been edited by pureawesomeness: May 28 2025, 07:57 AM

the country is trying to discipline people by saving money for rainy day

but people start to aggressive yolo after covid, pop up cafe franchise, keep going oversea, go hang flower, cheong more than it should, go migrate to other country, renovate house, go genting gambling, all of these are not possible without the 10k withdrawal epf at that time

now waiting something like france protest ( in 2023 when the gov raise retirement age, people protest )

If EPF is in trouble, means whole country is in trouble.

Nothing much you can worry or do about it.

another day another EPF terek

Wah, you dunno meh? According to some smart ass scammer politicians, gomen used our ALL EPF monies edi. EPF is bancrupted by the gomen edi. And the gomen also have been bancrupt for how many donkeys years edi….
Yes, you are correct la, if you believe those political scammers! 😉

reformati.
start bail out. say investment.

I think government pension is more in trouble, hence push to increase retirement age to 65.

hell no ,,55 withraw all,cant force,,,
that 65 is retiment gov thingy not related to epf withraw laaaaaaaaaaaa,from wat i know la

This post has been edited by poco loco: May 28 2025, 08:17 AM

what if min withdrawal threshold raised to 2mil...

then those wanna retire early kenot liao lo?

forced to work until 65...

They should increase retirement age to 100 years old.

And can’t withdraw one lump sum.

Since my father time ...ppl always say EPF in trouble and not stable as it is gomen piggy bank...must empty the account and put in bank once retire...when EPF declares high dividend then complain why FD interest so low...lolol

Epf is one of the best run funds in the world! Stop your nonsense.

I think EPF will implement monthly or yearly withdrawal after 55 instead of one time all witdrawal.

This post has been edited by kelvinfixx: May 28 2025, 08:20 AM

I don't think they will do it drasticly, increase by 100k every 5 years is possible.

1.3mil soon? Or sudah uturn?

You can withdraw from your account a and b at age 55 onward

You can also withdraw the excess at any age if your savings is above 1 million. So if you have 1.1 mil u can withdraw 100k anytime

More people are investing voluntarily into the fund, so it's in trouble? Wtf.

It’s already mandated to be increase by 100k per year starting next year to 2028, by then will be minimum 1.3m for withdrawal.

if EPF is fked.
then msia can bcome zimbabwe. serious.
all your money will be worthless, unless foreign currency or crypto

A little sound like pyramid scheme, unless u think their investing managers are more competent than those working in banks. Just hope it doesn't get stolen by our dirty politicians hand, who knows

if puas takeover govt, better withdraw as much as you can.

all the monies will be poured to fund subsidy and stupid wagyu projects

yeah .pension at 60 but life expectancy now 78 oso still alive due to progress of medicine.. imagine how much money needed.,.

this, i personally can confirm… put in for 5 years, at the end, wait for 10days to get my investment and still lose 15%!…

The Employees Provident Fund (EPF) in Malaysia is established under the Employees Provident Fund Act 1991 (Act 452), which is an Act of Parliament. This has several important legal implications, particularly in relation to instructions or interference from the Executive (the government) or Judiciary (the courts):
🔒 1. Rule of Law and Legal Boundaries

Because the EPF is governed by legislation:

The Executive (Ministers, Government Departments) cannot arbitrarily instruct or direct the EPF to act outside the scope of the Act.

Any directive or instruction must be consistent with the provisions of the EPF Act. If it's not, the EPF has no legal obligation to comply.

⚖️ 2. Judicial Oversight

The Judiciary can interpret the EPF Act and ensure that actions taken by the EPF or the Executive are lawful.

Courts cannot instruct the EPF to act against the statute, but can review decisions for legality, procedural fairness, or constitutionality.

🛡️ 3. Statutory Independence

Being created by statute gives the EPF a degree of legal and operational independence from day-to-day political influence.

This means the government of the day cannot unilaterally change EPF policies (e.g. withdrawal terms, investment strategies) without amending the Act via Parliament.

📜 4. Changes Require Legislation

If the Government wishes to change EPF policy or structure, it must do so by introducing amendments to the EPF Act in Parliament.

This ensures transparency, debate, and democratic legitimacy.

madani mahu wang anda

sikit sikit trouble nah ambik makan

EPF wont be in trouble but will scam all malaysian money by implement changes when u old, similar to sg CPF cant withdraw all

EPF withdrawal age and retirement age are 2 separate matters, where both ages are different.

Which is a joke. Can withdraw money early to enjoy before retirement.

people still put money into epf ?

Retirement age and EPF withdrawal age is different.

If the govt of the day wish to be toppled in next GE, it could consider suicide by raising EPF withdrawal age.

Epf need new young blood in the workforce to maintain fund..

If all old one remain in fund, they can either cash out sekali gus, or when they die, the beneficiaries cash out sekali gus..

If one day the cash out more than contribution.. then hailat ad

this is better actually...alot of sohai old folks who lost all savings within 1-2 years...later menyusahkan everyone...kek

i thought retirement can be anytime?
if work for gov, i want to retire at 50, do i get pension?

EPF only will be in trouble if they continue bailing out GLC and kronies.

Till now, there is no connection.

EPF is EPF.

Suggest "Increase the retirement age" is another matter.

And you don't look back the history between the 2.

For example, the retire age is already raise from 55 to 60.

But EPF remains the same rule for the withdrawal at 55. Nothing has changed till today.

bro, the plan to increase sudah put set in place. staggered increase.

Not enough fully employed young ppl to contribute. The danger is the older folks who got in early now have millions when they retire in another 10-15 yes and withdraw all will impact.

Also EPF is needed to support bursa.

We will earn less.

Maybe 3% instead of 6.3%.

If people are voluntarily contributing to EPF, means confidence in EPF is good no?

unless you are PAP..... lol. oh wai...

High dividend complain, low dividend complain.
Next, increase retirement age to 70. So we can withdraw after 70 ? Gov in trouble ?

Whatsoever if you only have 1 basket, then it sure is trouble on you

This post has been edited by jojolicia: May 28 2025, 09:29 AM

If I'm not mistaken, EPF already moved 50% of their funds from oversea investment into local GLC as instructed by PMX since September 2024

I think less than 5% this year

Government main source of borrowing is from EPF.

If EPF no money, cannot borrow from EPF.

They are ENCOURAGING you to save more in EPF, since now you can withdraw some from your accounts.

You know EPF is in trouble when the government tells you DON'T WITHDRAW money.

if EPF in trouble, the country is in trouble as well, about 40% of EPF money is invested into Government bond

i dont trust the law here.

law is written by people. people can change law.

yes u get pension but it is monthly payment, not one shot large amount lump sum, that why the civil servant make too many noise

https://www.freemalaysiatoday.com/category/...sion-says-group

25 March 2025 - Yesterday, it was announced that the public service remuneration system is expected to retain its monthly pension payment model.

last few year i know work for government u must state which year u want to retire and base on contract liao, no more suka hati attitude

also if u want work for gov, u must work at least 10 years or more to get the pension aka work till death then ppl marah dont want this dont want that, value hedonisms

This post has been edited by nelson969: May 28 2025, 10:07 AM

soon

Agree, monthly i'm withdrawing now

Funds are safu!!

EPF is not in trouble.

But when minister make a big hooha about increasing retirement age to 65 years old, it will indirectly effect EPF in the future. Right now, you can make full withdrawal at 55 years old based on EPF website. In the future? We don't know.

Ktards boomers here don't care, because they are near retirement age. That's why they can talk rubbish, cakap besar. Because it doesn't affect them. It will affect future generation, especially Gen Y and above.

You see on year 2023, there's a major protest when French gov wants to increase retirement age from 62 to 64. People disagreed with that. Our government wants to propose increase from 60 to 65 years old. The major differences are so ridiculous.

You want to work until you death, go ahead. I don't want and I want my full money once I reach 55 years old.

Ya right TS withdraw all and hantam btc lah, to the moon

I think its been increased this year ownwards or so.
I read somewhere its going to be 1.1 and then probably looking at 1.3.

yes you can retire anytime. from employee perspective you're free to retire at any age you want. but from employer perspective, raising retirement age to 65 means they cannot simply just let you go before 65 y/o if it is a permanent employment position. if they do so you can sue them for compensation.

govt retirement at 50, you can get pension if you have already served X number of years, but there is a detailed calculation on how much you get, it scales according to your years of service

So EPF is not independent of gomen?

Oh already at 63%

SOS

Last time PH politicians or their macai spread already bankrupted. Still around?

TS thinking too much

Owaiii

every company is susceptible to government pressure..

Ok then

Fark govt for raising it. Pundeak betui. For slightly higher interest (6.30%) than FD rate (3.7-3.8%) better park my fund in dividend stocks or somewhere else

This post has been edited by JustForCheonging: May 28 2025, 11:13 AM

Early retirement 55yo can withdraw certain percentage edi right. Where got changes to this??

EPF is unlikely in trouble but many of its members couldn't afford to retire.

ever heard of the frog in the boiling pot.

My frogs clever not going near boiling pots. Pls do tell.

ts, since you are asking, are you in trouble?
smart investors always diversify. you may not win big, but at least you wont lose big either.

1) kasi high dividend salah, tak kasi high dividend - "oh, epf investment failure"

2) people withdrawing i Sinar, etc - "oh, epf in trouble, billions withdrawn". People volunteer contribute - "oh, epf in trouble".

CPF life i think quite good also

but one thing is that bank need to allow senior like >55 to get loan etc. as long got "CPF life" to consider as part of the income.

TS got how much inside?

Yes is the way to save people from themselves.
Maybe to reduce processing, allow annual withdrawal

1 trillion MYR in asset in trouble? means Malaysia is going down.

Don't fear monger like those BERSIH aunties/uncles last time said EPF going down if najis still PM. Jangan jadi 'cai'

gitu?

owai

yes i do think epf is in trouble, cause u all don want ada anak, getting less and less people paying etf. need to spread your dna harder from now.

This post has been edited by watermineral: May 28 2025, 12:46 PM

EPF will be in trouble if there are less contributors as opposed to withdrawals. Possible?

Stats show majority can't retired comfortably..
What do you think?

If epf bankrupt = malaysia bankrupt

Do you know PMX is best finance minister before? He's also well regarded by World Bank and IMF.

This country and EPF are in safe hands.

This post has been edited by jonthebaptist: May 28 2025, 01:14 PM

Don't worry bout kwsp, seems kwap more worrying

Food for thought:

Cancer Diaries: When having cancer is still not enough for EPF to approve my claims
Wednesday, 28 May 2025 9:05 AM MYT
https://www.malaymail.com/news/opinion/2025...y-claims/178412

Kito janji

Just diversify away into US treasury bond and hold till maturity

20years US treasury bond is 5% now

Why waste time with changing goalposts & dividend uncertainties?

This post has been edited by boyboycute: May 28 2025, 02:07 PM

Heard 1 of bestest pension funds in d world…

Lol don't worry government will print money to save EPF

If EPF is really in trouble we will know, coz USDMYR will be like 1:100 or something like that

No longer diversified when you have over 60% in one currency

Money in your own hands is always better than in others hands, not matter what they promise you

The writing is on the wall already

We're going to follow CPF withdrawal methodology

It's expectable retirement age will be expend, during the time retirement age of 55 is set, the average lifespan worldwide isn't that long, it's foreseeable the retirement fund will not be enough if still following the old logic.
I came across a news from US few days back, that's a robbery committed by a granny which is 78 y/o because her retirement fund finished.

anyone having trouble logging into EPF?

Cancer Diaries: When having cancer is still not enough for EPF to approve my claims
Wednesday, 28 May 2025 9:05 AM MYT
https://www.malaymail.com/news/opinion/2025...y-claims/178412

It’s kind of surprising she didn’t try going through SOCSO, especially since it’s meant to help with work-related injuries and health issues. EPF is really more for retirement; not for covering medical costs. If she’s been contributing to SOCSO, she might actually qualify for benefits, maybe even a medical pension, depending on her condition. That’s exactly what SOCSO is there for.

I actually know a few people who went that route and ended up getting medical pensions. Sure, it takes some paperwork and follow-ups, but it’s a legit option that’s really worth looking into.

Now they’re getting both their EPF and monthly medical pension — the best of both worlds.

What is the tracker/code that you buy?