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Category: ABCs of Personal Finance
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

How additional RM1 Billion Funding Supports Civil Servant Homeownership

It’s important to assist civil servants to own a place because this will help ensure they have a comfortable life after retirement. How many civil servants want to continue paying for a place to stay or worse still, paying for a room to stay after they retire? Thus, it’s important to help them purchase a home. There are many affordable homes scheme but sometimes, the downpayment could be an issue. So, any help is always good for the civil servants too. LPPSA is able to give 100 percent loan. When they do not need to worry about having a place to stay, then of course they could also do their best for us the public too.

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ABCs of Personal Finance

Unlock Free Lounge Access with the Right Enrich Card

Do you know that when we travel frequently, it’s best to travel frequently with the same airline? This helps us to earn loyalty points which could then be used to redeem for benefits offered by the airline loyalty card. One such card is Malaysia Airlines’ Enrich card. Do skip this if you travel via business class every time. I think you are wealthy enough without the need to slowly accumulate points which you can then redeem for benefits. Congratulations if you are at this stage already. Else, read on…

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ABCs of Personal Finance

Debts must be paid, else our assets could be auctioned off to pay, even if one is a famous personality

Strata home owners who refuse to pay the management fee. How bad can it be? Just let it be and forget about it since nothing could be done to force the owner to pay the management fees? Well, it’s totally not true. In fact in the worse case scenario the owner could even be jailed! This is after their belongings have been auctioned off and it’s still not enough to cover the management fee… Yes, imprisoned for up to three years. Read more details here:

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ABCs of Personal Finance

World Bank Advocates Aligning EPF Withdrawal Age with Retirement

For some of us, the answer is, ‘yesterday.’ The money is ours, why could we not withdraw it anytime we want? For the ones who are working and maybe has a more stable earnings versus expenses, maybe it’s on the dot at 55 years old. Nothing more, nothing less. Meanwhile my aunty who has retired told me that it’s best to just leave it inside EPF because the dividends are very good and FD is lower while stock market is a lot more volatile. So, her choice is based on what her needs are.

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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

How can inflation be good for us? High inflation is a killer!

Everyone hates inflation, I think. They make our money become smaller. When we used to be able to afford more things, now we could afford fewer things with the same amount of money. Anyone without income will find inflation is scary even. As they watch the amount of money in their bank account reducing, they also realize things are getting more expensive. They may even start to think if they should get some income to reduce the impact.

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ABCs of Personal Finance

Argh… things are too expensive. Time to do something about it.

Food is getting too expensive right? Gone were the days when a plate of chicken rice was RM2.80(Haha… ok, I may belong to a much older generation). I remember when a plate of wanton men became RM5, everyone was shouting but today, it could have easily doubled in some restaurants. When it comes to cafes with air-conditioning, the prices would easily start from RM13.80 for the cheapest fried rice with egg to RM18.80 for fried rice with fried chicken for example.

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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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ABCs of Personal Finance

You have worked for 10 years and you do not have even RM10,000 savings yet?

Without savings, there’s no way one would have a property. Without a property, one will have to keep renting lah. How much could we save every month? How much should we save every month? If we could not save enough and it’s always just enough every month, how will this impact our future? Or perhaps we can keep earning a higher salary then to solve this issue of insufficient savings?

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ABCs of Personal Finance

Aggressive hiring and aggressively high salary may just mean property investment is not needed. Thoughts?

As much as employees are no longer having that loyalty to work for the same company from the day they started till the day they retire, employers are no longer offering employment till the day we retire too. One day it could be hiring and the next day it could be firing. From being treated as someone valuable to the team to someone who’s just an extra and thus some streamlining needs to happen and thus we are asked to leave and we need to now look for another job.

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