EPF
Automatic registration as EPF member for Malaysians!
Automatic registration as EPF member for Malaysians! Not immediately lah, when you reach 18. How many of kopiandproperty.com readers are from Gen-X like me? Yes,
Automatic registration as EPF member for Malaysians! Not immediately lah, when you reach 18. How many of kopiandproperty.com readers are from Gen-X like me? Yes,
You have more than RM1.1 million in EPF? You can withdraw even before 55! Did you know that the EPF allows members with savings exceeding
100,000 Malaysians Bankrupt? And Most of Us Still Don’t Have Enough EPF Savings I wrote the original article back in 2019. The headline then was
EPF Dividend 2026: Can We Still Expect Around 6%? I wrote the original article earlier this year when economists were saying the Employees Provident Fund
Beware! RM1 Million in EPF Savings Is Really Not That Much When We Do the Calculations When we hear someone say: “I have RM1 million
Yes, I am as curious as all the EPF members who’s waiting to know how much dividend they will get. Guessing game will end on Saturday it seems. Today, many media outlets are reporting that the announcement will be this Saturday. Saturday is 28th February 2026. Yes, that’s like 24 hours away from the time this article is posted. An image showing what these media outlets are saying is here:
When someone retires and realized they have hundreds of thousands in their EPF which is suddenly theirs to use, what do you think could happen? Well, they could spend it wisely and stretch it sufficiently to cover for the next 15-20 years of their retirement life. Or they could spend it very quickly to buy things which they could not afford previously. Or maybe they could be scammed by someone and lose it all too.
The Employees Provident Fund (EPF) is expected to declare a dividend rate of between 6.3% and 6.5% for 2025, according to Bank Muamalat Malaysia Bhd chief economist Afzanizam Rashid.
Achieving RM1.3 million in EPF savings may be challenging for Malaysians, but experts suggest it’s possible through disciplined saving and employment strategies. Personal finance advice should include property investment and considering longer retirement ages due to rising living costs. Consistent salary growth is vital for building adequate retirement funds.
Without adding the changes in 2025 and relying on just 2024, median income for a household of a T5 category starts from RM20,738 per month (image below) . In other words, this household has a yearly income of RM248,856. If this household is contributing to EPF and has an employer also contributing to the EPF for employer portion, then this household’s EPF will have accumulated the following per year.
Yes, for my first ever property, I used the amount I have in Account 2. It helped because I did not save much and thus, the money comes in handy for the downpayment of 10 percent. It was just a property of RM123,000 but at the time, I have only worked for 5 years. So, the actual amount I have in Account 2 is definitely very small. From the total, 30 percent goes into Account 2 while 70 percent goes into Account 1. That was then, now, it’s 15 percent. We also have an Account 3 which is 10 percent of our the total contribution.
Earning 3.17 times but no EPF contributions means losing out on huge returns yeah Reduced savings for Malaysians earning SGD today versus previously In 23