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Category: EPF
ABCs of Personal Finance

When Can You Withdraw EPF Savings? Age 55, 60, or 65 Explained

Despite all the news, as at today, November 2025, it’s still full withdrawal at 55 years old. You can keep your job, keep contributing but yes you can withdraw in full when you reach 55 years old. Wah… for me that’s just another 7 years to go. Haha. Looking forward? Well, take a look at the below for some ideas of what you could decide to do. Everyone has own prerogative and perspective too. Choice is yours to make.

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ABCs of Personal Finance

THE MALAYSIAN LEVELS OF WEALTH by Mr-Stingy

You can move directly into his very insightful article (below) by a good friend whom I used to have coffee occasionally some years back. Perhaps these days he’s too busy, I am too busy and thus we have not met for some years. However, I have to say that his writing ability is top-notch and he has that uncanny ability to share insights in a simple way. Recently, he wrote this insightful piece which I think every Malaysian professional wanting to know where he is where wealth is concerned should read.

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ABCs of Personal Finance

RM14.13 billions in voluntary contributions from 1.12 million EPF members. Have you done your part?

There’s one place where we have been getting returns of 5.5 percent or higher. Just look at the historical returns from our EPF since 2017. Yes, even before the COVID years. The below numbers are by far higher than our Fixed Deposit rates yeah. It’s also considered risk-free since EPF does not undertake risky investments simply for super high returns because it’s the money of the rakyat; us.

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silhouette of man holding flamethrower
EPF

Treat your people well! Pay their EPF contributions on time or else…

I could not understand why people like to owe money which is due to their employees. They work hard to help the company earn more money. Once upon a time, a friend (who’s definitely no longer a friend) also did the same to his employees. Sigh. I hope that friend has changed his ways and be good to his employees. They work for you, they help you earn more money, they give their time, effort and brain power to you.

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woman jumping wearing green backpack
ABCs of Personal Finance

Twin-WOW. Self-contribution is high, EPF dividend is high.

In my WhatsApp group, this was posted. I meant the image below showing EPF dividends over many years. I think the whole Malaysia, especially all the working people already know this happy news. When analysts say it is going to be higher than 6 percent for FY 2024, I already feel that it’s going to be over 6 percent. Final result? 6.3 percent. Below is the file shared in the WhatsApp group.

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two yellow flowers surrounded by rocks
EPF

EPF’s dividend is going to be quite a wow it seems

This piece of news did not come from me. The prediction must come from some analyst with lots of data which he / she could refer to in order to make such a prediction. I do not have such resources. How high is high and what is considered a wow? Well, FD rates are probably 3.5 percent. The potential EPF dividend rate is forecasted to be over 75 percent higher! That’s definitely a wow and worthy of a celebration, right? We cannot take out the money before we retire but it’s still our money. The more the merrier.

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