Turning 55? What to Do With Your EPF Money Before an Agent Tells You What to Do With It
Updated November 2026 - EPF rules and dividend rates checked against KWSP, government and news sources.
In January 2025, police in Jempol, Negeri Sembilan, said a 61-year-old insurance agent had lost RM666,546: all his EPF savings, plus money borrowed from friends. A Facebook advert had promised to turn RM250,000 into RM1.5 million. He sold financial products for a living, and it still happened to him.
If you are wondering what to do with EPF money at 55, here is the honest answer. For most people, the safest default is to not take it all out. The right mix depends on your debts, your other income, your health and how much you have saved.
Withdraw only what you need for a clear, named purpose, such as clearing a costly debt. Leave the rest in EPF, where it keeps earning dividends, and draw a monthly income from it when you need one.
Below you will find the current rules, real numbers, a 5-question decision tool and the questions to ask before anyone puts a form in front of you.
The short answer At 55 you can take out all of your EPF, some of it, or a monthly payment, or leave it alone. Leaving money in EPF keeps it earning dividends (6.15% for 2025) and makes it much harder for scammers to reach. A sensible default for most people: take out only what has a clear purpose, keep the rest in EPF, and use the monthly option (i-Emas) when you need income. Sign nothing in your first 30 days. |
In this article
What Happens to Your EPF Money at 55 (The 2026 Rules)
The day you turn 55, three things change.
First, your three accounts are merged. Your Akaun Persaraan, Akaun Sejahtera and Akaun Fleksibel savings are combined into one account called Akaun 55.
Second, if you are still working, new contributions from you and your employer no longer go into Akaun 55. They go into a new account called Akaun Emas, which you can only withdraw from age 60.
Third, the lock comes off Akaun 55. You can take the money out in several ways, or not at all.
Your choices at 55, in plain words
Choice | What it means | Good for |
Leave it | Do nothing. The money stays in Akaun 55 and keeps earning yearly dividends | Anyone who still has a salary or pension |
Partial withdrawal | Take out part of the money, whenever you need it | Clearing a debt, a medical bill, a set purpose |
Monthly payment (i-Emas) | EPF pays you a fixed amount every month, from RM100 a month | Turning savings into a "salary" |
Full withdrawal | Take everything out in one go | Rarely the best choice |
Combination | For example, a partial withdrawal now plus i-Emas for the rest | Many people with some debt or an income gap |
A few details that matter:
i-Emas is the name EPF gave in May 2026 to its existing monthly payment option. Payments go into your bank account on the 25th of each month, for at least 12 months, and can run until age 100.
More than 21,000 members had already chosen monthly payments by May 2026, and in Budget 2027 the government encouraged members to use i-Emas instead of taking everything at once.
EPF's own withdrawal guide lists minimum balances: above RM2,000 for a partial withdrawal and above RM1,200 for monthly payments.
EPF's guide also lists an annual dividend withdrawal for members above 55. That lets you take out last year's dividend and leave the main sum alone.
EPF has not said clearly whether you can change your i-Emas amount once it starts. Ask an EPF officer before you choose a figure.
Do you still earn dividends after 55?
Yes. Money left in Akaun 55 and Akaun Emas keeps earning the yearly dividend. EPF's chief strategy officer has said members can keep earning dividends until age 100.
Here is the recent record:
Year | Conventional | Shariah |
2021 | 6.10% | 5.65% |
2022 | 5.35% | 4.75% |
2023 | 5.50% | 5.40% |
2024 | 6.30% | 6.30% |
2025 | 6.15% | 6.15% |
That is an average of about 5.88% a year for conventional savings and 5.65% for Shariah savings over 2021 to 2025.
Two warnings. Conventional savings have a legal minimum dividend of 2.5% a year, and Shariah savings have no minimum. Anything above that floor is a track record, not a promise.
What about tax?
EPF withdrawals and EPF dividends are not taxed as income. In 2026 the Inland Revenue Board also confirmed EPF dividends do not count toward the new 2% tax on dividend income above RM100,000.
Can you still invest EPF money through an agent after 55?
EPF's investment scheme (i-Invest) lets members put part of their savings into approved unit trusts, but it is mainly for members below 55. After 55 you can simply withdraw the money, which is exactly why so many people suddenly want to talk to you.
Is the government taking away the right to withdraw at 55?
Not for current members. In October 2025, the Deputy Finance Minister told Parliament that the existing withdrawal options at 55 and 60 remain. A new structure that pays out retirement savings over time is under review, but it is meant mainly for new members who join after it starts.
The Numbers Nobody Says Out Loud
Look at where most Malaysians stand. Not to scare you, but to show why every ringgit needs a job.
35% of members aged 54 had less than RM10,000 in EPF, according to figures given to Parliament in November 2023 (94,827 out of 274,715 people).
Only 41.2% of active formal-sector members aged 18 to 55 had reached the basic savings level for their age at the end of 2025. That left 4.42 million people below it.
About half of all EPF members have less than RM50,000, a KWAP executive said in February 2026. Spread over 20 years, that is about RM210 a month.
EPF's Basic Savings target is RM390,000. It is designed to pay about RM1,625 a month for 20 years from age 60.
EPF's Belanjawanku guide puts the cost of a reasonable life for a single older person in the Klang Valley at RM2,690 a month.
You may live longer than your money
Malaysia's statistics department expects a 60-year-old man to live another 18.9 years on average, and a 60-year-old woman another 21.7 years. Those are averages. Many people will live well past 80.
So the real question at 55 is not "What can I buy?" It is "How do I make this money last 25 to 30 years?"
How fast lump sums disappear
Back in 2016, an EPF retirement adviser said many members ran out of their EPF savings within three to five years of retiring. Some had withdrawn 70% of their savings and spent it in less than 30 days.
In November 2026, economist Lee Heng Guie cited a survey finding that about 97% of Malaysians withdrew their EPF savings as a lump sum at 55 or 60. It is a survey figure quoted in the press, not an official EPF number.
If you are behind, you are far from alone. If past losses are part of the story, read what to do if you lost money in the stock market at 50.
Why the Day You Turn 55 Is Risky
For 30 years, the law kept your EPF money locked up. On your 55th birthday, it becomes the biggest pile of cash many people will ever hold.
People notice. Relatives with business ideas. Friends with "a sure thing." Agents who heard you are retiring. And scammers.
The scam numbers are huge
The police commercial crime department reported 26,196 investment fraud cases from 2023 to July 2026, with losses of RM3.24 billion. Private sector workers were the biggest group of victims, and retirees came next in the police list.
The Jempol case followed a common pattern. A Facebook advert. A promise of huge returns. A small first payment of RM4,220. Then 24 transfers into five bank accounts over about three months, no returns, and demands for more.
Mis-selling is quieter, but it hurts too
Not every problem is a scam. Some people are sold a real product that is wrong for them.
The Financial Markets Ombudsman Service (FMOS) published a case in 2026. A customer it called Ravi went to his bank in December 2024 to withdraw a RM30,000 fixed deposit because the interest rate was low. He came out with an insurance plan that needed RM30,000 a year for three years. He believed he had signed up for a fixed deposit. FMOS found the policy had not been properly explained and recommended a refund of RM29,100.
Most agents and bankers are honest, and many give useful advice. But many are paid by commission, and the product that pays them most is not always best for you. Your job is to ask the right questions before you sign.
Worked Example: RM200,000 at 55, Five Different Choices
Say you turn 55 with RM200,000 in Akaun 55, and you want RM1,200 a month to live on.
Assumptions (so you can check the maths):
Money left in EPF earns 5% a year. That is below every conventional dividend EPF paid from 2016 to 2025 (the lowest was 5.20% in 2020), but it is not guaranteed.
Money taken out sits in the bank or fixed deposits at 2.5% a year. The best 12-month FD rates were around 3% in October 2026, and you will not always get the best rate.
You take RM1,200 at the start of each month. Interest and dividends are added once a year.
Inflation is ignored here (more on that below).
Choice | What you do | Money lasts until about |
1. Take it all out | All RM200,000 into the bank at 2.5%, spend RM1,200 a month | Age 72 |
2. Take it all out, and one "opportunity" fails | RM50,000 lost to a bad deal or a loan that never comes back, the rest in the bank | Age 67 |
3. Monthly payments (i-Emas) | Leave it all in EPF and take RM1,200 a month | Age 78 |
4. Split | Take RM30,000 out to clear debts or build a cash buffer, leave RM170,000 in EPF with i-Emas | Age 72, and you also have the RM30,000 |
5. Keep it until 60 | Still working, so you touch nothing until 60 (it grows to about RM255,000), then take RM1,200 a month | Past age 100 |
What the numbers tell you
Choice 3 gives you about six more years of income than choice 1, from the same RM200,000. Over those years, EPF dividends would add roughly RM132,000.
Choice 4 is interesting. Even after taking RM30,000 out, the split lasts as long as taking all RM200,000 to the bank. If that RM30,000 clears an expensive credit card, the split wins clearly.
Choice 2 shows how one bad decision can cost about five years of income.
Choice 5 shows the power of time. If your salary covers you until 60, leaving the money alone for five more years can carry RM1,200 a month for a long life, at a 5% dividend.
The stress test: what if dividends fall to 2.5%?
If EPF only paid its 2.5% legal minimum every year, choice 3 would last until about age 72, the same as the bank. Choice 5 would still last until about age 80. So in the worst case, keeping money in EPF does about as well as an FD. In a normal year, it does much better.
Don't forget inflation
If prices rise 3% a year, the RM1,200 you need today becomes about RM1,613 in 10 years and RM2,167 in 20 years. That is why it pays to start i-Emas with the smallest amount you can live on, and to keep as much money working as possible.
The "dividend only" approach
If you have more saved, there is a gentler path. At a 5% dividend, RM200,000 earns about RM10,000 in a year, or about RM833 a month. Taking out only the yearly dividend, through EPF's annual dividend withdrawal, means the main sum stays roughly intact, as long as dividends hold up.
For a deeper look at safe spending rates, see the simple 4% rule.
Withdraw, Keep or Split? A 5-Question Decision Tool
Answer honestly, and write the answers down.
Do you owe money at a high interest rate? Credit cards, personal loans and some car loans cost far more than EPF earns. If yes, a partial withdrawal to clear them often makes sense.
Do you have one to three months of spending in the bank? If not, take out just enough to build that cash buffer. After 55 you can make partial withdrawals whenever you need them, so the rest of your safety net can stay in EPF.
Do you still have a salary, pension or rental income that covers your bills? If yes, the best move is usually to leave the money alone and let it grow.
Is there a gap between your income and your bills? If yes, use i-Emas to fill only that gap, not more.
For any money you want to take out, do you have a written plan, checked by someone who earns nothing from your decision, and could you live with it falling 30%? If not, leave it in EPF until you do.
How to read your answers:
Mostly "no debts, still earning": keep.
Some debt or a gap in income: split, with a partial withdrawal for named needs and i-Emas for the gap.
A full withdrawal only makes sense in rare cases, for example a serious illness where you need the money now, or a clear, checked plan for every ringgit.
If You Do Take Money Out: Where Can It Go?
Sometimes taking money out is right. Every option below has a trade-off.
Where the money goes | What it is good for | Main catch |
Savings account or fixed deposit | Cash you may need soon | Low return. Interest may not keep up with prices |
Paying off expensive debt | A "return" equal to the interest you stop paying | Only works if you do not borrow again |
Unit trusts | A professional manages a mix of shares or bonds | Sales charges and yearly fees eat into returns. Prices go up and down |
ETFs (exchange-traded funds) | Low-cost way to own a whole market | Prices can fall sharply. You need a plan and patience |
Investment-linked insurance or savings plans | Insurance cover mixed with investing | Charges, lock-in periods and surrender costs if you stop early |
Annuity-type products | A promised income for a set time or for life | Money is locked in. Check what happens if you die early |
Property | Rent, or a home for family | Hard to sell quickly. Repairs, tenants and loans add risk |
"Guaranteed" high-return schemes | Nothing | Usually a scam. Check the regulators' alert lists first |
If an agent compares their product with EPF, ask for both side by side in writing. These may also help:
Fees matter more than most people think. Here is what RM100,000 left alone can grow into at different yearly returns:
Yearly return | After 10 years | After 20 years | After 30 years |
2.5% (EPF legal floor) | RM128,008 | RM163,862 | RM209,757 |
3% (for example, a 5% return minus 2% in yearly fees) | RM134,392 | RM180,611 | RM242,726 |
5% | RM162,889 | RM265,330 | RM432,194 |
If you are thinking about shares or funds, read what happens to index funds in a crash before you put in a single ringgit.
The Agent Pitch Checklist: 12 Questions to Ask Before You Sign
Print this and bring it to every meeting. A good agent will be happy to answer. A bad one will get impatient, and that tells you a lot.
What exactly is this product? A deposit, insurance, a unit trust, or something else? Ask them to write it down.
Who regulates it, and what is your registration number? Unit trust consultants must be registered with FIMM (check fimm.com.my/search). Check insurance agents with the insurer or the Life Insurance Association of Malaysia, and investment firms with the Securities Commission.
Is this company or person on any alert list? Check the Securities Commission's Investor Alert List and Bank Negara Malaysia's Financial Consumer Alert List.
What will I pay in ringgit? Ask for the upfront charge, the yearly fee and any other charges, in RM, not just percentages.
How are you paid for this? Commission, fee, or salary? How much do you earn if I sign today?
How long is my money locked in? Is there a minimum term? Is this a one-time payment or a yearly commitment, and for how many years?
What do I get back if I need to stop early? Ask for the surrender value or exit charges at year 1, 3 and 5.
What is guaranteed, and what is only projected? Ask them to mark the guaranteed figures in the written illustration.
What is the worst year this product has had? If they say it cannot lose money, ask where that is written.
What do I give up compared with leaving the money in EPF? Ask for a side-by-side comparison with EPF's dividend record and its 2.5% legal floor for conventional savings.
What is my cooling-off period? For first-time unit trust investors with a fund company, FIMM describes a six-business-day cooling-off period with a refund of the amount invested and the sales charge. Insurance has its own free-look period, often 15 days. Get yours in writing.
Can I take the documents home for a week? The answer should always be yes.
The 30-day rule Sign nothing in the first 30 days after you turn 55, or after any big withdrawal. Good opportunities are still there next month. Scams and pressure sales are not, because they depend on you rushing. |
Red Flags: Walk Away If You Hear These
"Guaranteed" high returns, or returns far above EPF and FD rates.
"This offer closes today" or "only for a few people."
"Take out all your EPF, it's just sitting there."
"Transfer the money to my personal account" or to several different accounts. FIMM says you should never give cash to a consultant or transfer to their personal account.
"Don't tell your children, they won't understand."
A WhatsApp or Telegram group full of screenshots of other people's profits.
Being asked to sign a blank or half-filled form.
Someone who cannot explain the product simply, or will not leave the papers with you.
If you think you have been scammed, call the National Scam Response Centre at 997 straight away. For a dispute with a bank, insurer or licensed investment firm, the Financial Markets Ombudsman Service handles eligible claims of up to RM250,000 for free.
For more on this, read someone just offered you a guaranteed return: read this before you sign and a warning to anyone who bought a fund from their bank.
Your Step-by-Step Plan Around Age 55
One year before 55
Log in to i-Akaun and write down your total EPF balance.
List every debt: amount owed, monthly payment and interest rate.
Track your real monthly spending for three months.
Try EPF's Retirement Goal Calculator in the i-Akaun app to see your gap.
Check your EPF nomination is up to date.
In the month you turn 55
Do nothing in a hurry. Remember the 30-day rule.
Book a free session with an EPF Relationship and Advisory officer at your nearest branch. They are not selling you a product.
Use the 5-question decision tool above.
Decide the smallest monthly amount you can live on.
Within three months of 55
Make any partial withdrawal for named purposes only, for example to clear a credit card.
Set up i-Emas only for the monthly gap, if you have one.
Leave everything else where it is.
If you still want to invest some money, decide the amount in advance and use the Agent Pitch Checklist.
Every year after that
Check the new dividend rate when EPF announces it, usually around February or March.
Review your spending and your i-Emas amount.
Update your nomination after any big family change.
Special Cases
If you are still working after 55
Your new contributions go into Akaun Emas and are locked until 60, which builds a second pot for later. At 60, the contribution rules change for most Malaysian employees: the employee share drops to 0%, and the employer's minimum share is 4%.
If you are a civil servant on pension
You can apply for i-Emas, but Akaun 55 and Akaun Emas balances can only be withdrawn after the government's share is returned to KWAP. Ask EPF how much will remain before you plan.
If you have more than RM650,000
From 2026, a new option called i-Legasi lets members aged 55 and above transfer savings above the Adequate Savings level (EPF's benchmark is RM650,000) into the EPF accounts of a spouse or children who are below 60. The money then stays in their retirement savings.
If you have less than RM50,000
You are in the same position as about half of all EPF members. Small sums disappear fastest, so a modest i-Emas payment plus any work you can still do usually stretches further than a lump sum. Read starting to invest at 50 with nothing for practical ideas.
Don't Forget Your Nomination
An EPF nomination is separate from your will. A will cannot replace a valid EPF nomination.
For non-Muslim members, the nominee generally receives the savings. For Muslim members, the nominee usually acts as an administrator (wasi) and shares the money among heirs under faraid. If you want a specific person to receive a gift, ask a Shariah estate planner about options such as hibah.
Without a valid nomination, your family may face a slower, harder process. Life changes such as marriage or a new child do not update your EPF record automatically, so check it in i-Akaun.
A Calm Way Forward
Turning 55 can feel like a test you never studied for. You do not need to be an expert. You only need to avoid the few big mistakes that ruin retirements: taking everything out with no plan, trusting a promise that sounds too good, and signing in a hurry.
Do that, and your EPF can become what it was meant to be: a steady monthly income that lasts as long as possible. If you have lost money before, that is a lesson, not a life sentence. Read how to recover from investment losses when you are ready.
Frequently Asked Questions
Can I withdraw all my EPF at 55?
Yes. At 55, your Akaun Persaraan, Akaun Sejahtera and Akaun Fleksibel are merged into Akaun 55, and you can withdraw all of it, part of it, or take monthly payments. Contributions made after 55 go into Akaun Emas and can only be withdrawn from age 60.
Is it better to withdraw EPF at 55 or leave it?
For most people, leaving most of it in EPF is safer. It keeps earning dividends, which averaged about 5.88% a year for conventional savings from 2021 to 2025, and it is harder for scammers to reach. Withdraw only what you need for a clear purpose, such as clearing expensive debt.
Does EPF still pay dividends after 55?
Yes. Money left in Akaun 55 and Akaun Emas keeps earning the yearly dividend, and EPF has said members can keep earning dividends until age 100. Conventional savings have a legal minimum of 2.5% a year. Shariah savings have no minimum, and future rates are not guaranteed.
What is i-Emas?
i-Emas is EPF's monthly payment option for members aged 55 and 60. EPF pays a fixed amount, from RM100 a month, into your bank account on the 25th of each month, for at least 12 months and up to age 100. The balance keeps earning dividends. You can combine it with a partial withdrawal.
Can I still contribute to EPF after 55?
Yes. If you are working, contributions after 55 go into Akaun Emas, which unlocks at 60. You can also make voluntary contributions, for example through i-Simpan, up to age 75, within the yearly limit for voluntary schemes. Check the latest limits with EPF before you top up.
Is EPF withdrawal taxable in Malaysia?
No. EPF withdrawals and EPF dividends are not taxed as income. In 2026, the Inland Revenue Board confirmed EPF dividends are also excluded from the 2% tax on dividend income above RM100,000. Interest from fixed deposits with licensed Malaysian banks is also generally exempt for individuals.
How much EPF should I have at 55?
EPF's Basic Savings target is RM390,000, measured at age 60 and designed to pay about RM1,625 a month for 20 years. At the end of 2025, only 41.2% of active members aged 18 to 55 had reached the basic level for their age, so many people are catching up.
How do I know if an agent is licensed?
Ask for their registration number. Unit trust consultants must be registered with FIMM, and you can check them on FIMM's website. Check insurance agents with the insurer or the Life Insurance Association of Malaysia. Also check the Securities Commission's Investor Alert List and Bank Negara's Financial Consumer Alert List.
About the Author
Stephen Loke has been a student of the market for more than 15 years. He is also an agritourism entrepreneur whose farm has been featured in Bloomberg News and Asahi Shimbun.
This article is general education, not personal financial advice. Stephen is not a licensed financial adviser. EPF rules and dividend rates can change, so confirm the latest details with EPF before you act, and speak to a licensed adviser about your own situation.
Before You Make Any Big Money Decision, Read This Free Report
If you have ever lost money investing, or you are scared of losing what you have saved, this short report was written for you.
Why You Lost Money in the Stock Market (And Why It Wasn't Your Fault) is a free 38-page report. It will help you:
Understand why so many ordinary investors lose money, and why it is usually not their fault.
Stop blaming yourself for past mistakes and make calmer decisions.
Recognise the traps before you hand over your retirement savings.
It is free. Read it before you sign anything.
Sources
35% of EPF members at age 54 have below RM10,000 in savings, Dewan Rakyat told. The Star, 2023. https://www.thestar.com.my/news/nation/2023/11/29/35-of-epf-members-at-age-54-have-below-rm10000-in-savings-dewan-rakyat-told
Amir Hamzah: EPF on track for 60pc of members to meet RM390,000 basic savings level by 2030. Malay Mail (Bernama), 2026. https://www.malaymail.com/news/malaysia/2026/03/05/amir-hamzah-epf-on-track-for-60pc-of-members-to-meet-rm390000-basic-savings-level-by-2030/211401
Half of EPF members have under RM50,000, KWAP warns of "optimism bias". CodeBlue, 2026. https://codeblue.galencentre.org/2026/02/half-of-epf-members-have-under-rm50000-kwap-warns-of-optimism-bias/
Dividend rates (Simpanan Konvensional and Simpanan Shariah). KWSP (EPF), 2026. https://www.kwsp.gov.my/en/others/resource-centre/dividend
EPF declares 6.15% dividend for conventional savings for 2025. The Star, 2026. https://www.thestar.com.my/news/nation/2026/02/28/epf-declares-615-dividend-for-conventional-savings-for-2025
EPF Withdrawal Enquiry (eligibility FAQ). KWSP (EPF). https://secure.kwsp.gov.my/mobile/WithdrawalEnquiry/withfaq_en.html
EPF Contributor Retirement. MyGOV Malaysia government portal. https://www.malaysia.gov.my/en/categories/retirement/epf-contributor-retirement
EPF's new accounts meet old rules: your guide to Akaun Emas today. RinggitPlus, 2025. https://ringgitplus.com/en/blog/personal-finance-news/epfs-new-accounts-meet-old-rules-your-guide-to-akaun-emas-today.html
EPF introduces i-Legasi, i-Emas and retirement goal calculator. The Star, 2026. https://www.thestar.com.my/news/nation/2026/05/11/epf-introduces-i-legasi-i-emas-and-retirement-goal-calculator
RM200,000 KWSP boleh bertahan 34 tahun dengan i-Emas. RinggitPlus, 2026. https://ringgitplus.com/ms/blog/berita-kewangan-peribadi/rm200000-kwsp-boleh-bertahan-34-tahun-dengan-i-emas.html
Helping your parents choose between an EPF lump sum and i-Emas. RinggitPlus, 2026. https://ringgitplus.com/en/blog/personal-finance-news/helping-your-parents-choose-between-an-epf-lump-sum-and-i-emas.html
Budget 2027: Can monthly EPF withdrawals keep retirees from running out of money? Malay Mail, 2026. https://www.malaymail.com/news/malaysia/2026/11/05/budget-2027-can-monthly-epf-withdrawals-keep-retirees-from-running-out-of-money/240335
Keep EPF account active after 55, members told. The Sun, 2023. https://thesun.my/business-news/keep-epf-account-active-after-55-members-told-EM10943315
EPF: Many members out of savings soon after retirement. Free Malaysia Today, 2016. https://www.freemalaysiatoday.com/category/nation/2016/12/28/epf-many-members-out-of-savings-soon-after-retirement
Govt reviewing proposal to introduce new EPF structure with flexible and retirement income components. Malay Mail, 2025. https://www.malaymail.com/news/malaysia/2025/10/08/govt-reviewing-proposal-to-introduce-new-epf-structure-with-flexible-and-retirement-income-components-parliament-told/193895
How your EPF savings work. RinggitPlus, 2026. https://ringgitplus.com/en/guides/how-your-epf-savings-work/
EPF dividends are tax exempt. The Star, 2026. https://www.thestar.com.my/news/nation/2026/03/25/epf-dividends-are-tax-exempt
Filing income tax after you retire. RinggitPlus, 2026. https://ringgitplus.com/en/blog/tax/filing-income-tax-after-you-retire.html
Abridged Life Tables, Malaysia, 2026. Department of Statistics Malaysia, 2026. https://www.dosm.gov.my/portal-main/release-content/abridged-life-tables-malaysia-2026
Retirees need RM2,690 a month for reasonable standard of living. The Star, 2024. https://www.thestar.com.my/business/business-news/2024/12/12/retirees-need-rm2690-a-month-for-reasonable-standard-of-living
EPF rolls out new retirement guide and savings plan to help Malaysians prepare for the future. Malay Mail, 2024. https://www.malaymail.com/news/malaysia/2024/12/12/epf-rolls-out-new-retirement-guide-and-savings-plan-to-help-malaysians-prepare-for-the-future/159611
Insurance agent loses RM666,000 in EPF savings to investment scam. The Star, 2025. https://www.thestar.com.my/news/nation/2025/01/17/insurance-agent-loses-rm666000-in-epf-savings-to-investment-scam
RM2.48m lost daily to investment fraud syndicates since 2023. The Vibes, 2026. https://www.thevibes.com/articles/news/127024/rm2.48m-lost-daily-to-investment-fraud-syndicates-since-2023
Buying insurance through a bank? An FMOS guide to bancassurance. Malaysiakini Financial Insights, 2026. https://www.malaysiakini.com/financial-insights/886917-buying-insurance-through-a-bank-an-fmos-guide-to-bancassurance
Bank Negara, SC launch dispute resolution service for financial markets. The Star, 2025. https://www.thestar.com.my/business/business-news/2025/01/17/bank-negara-sc-launch-dispute-resolution-service-for-financial-markets
FAQs (For Investors). Federation of Investment Managers Malaysia (FIMM). https://www.fimm.com.my/investors/faqs-for-investors/
Call 997 if you've been scammed, says Fahmi. The Star, 2026. https://www.thestar.com.my/news/nation/2026/03/04/call-997-if-you-are-scammed-says-fahmi
No idea how to plan your retirement? Get free advice from EPF's Relationship Advisory Service. Malay Mail, 2024. https://www.malaymail.com/news/malaysia/2024/11/14/no-idea-how-to-plan-your-retirement-or-manage-your-money-after-retiring-get-free-advice-from-epfs-award-winning-relationship-advisory-service/156462
What are the contribution rates for EPF. PayrollPanda. https://www.payrollpanda.my/help/what-are-the-contribution-rates-for-epf/
The Edge Markets: Employers' minimum EPF contribution for staff aged 60 and above cut to 4%. The Edge Markets. https://www.theedgemarkets.com/article/employers-minimum-epf-contribution-staff-aged-60-and-above-cut-4
EPF voluntary contribution Malaysia: guide, benefits and limits. StashAway, 2026. https://www.stashaway.my/r/epf-voluntary-contribution-malaysia
When did you last check your EPF nomination? Here's why it's important. SAYS, 2026. https://says.com/my/lifestyle/when-did-you-last-check-your-epf-nomination-heres-why-its-important
Investor Alert List. Securities Commission Malaysia. https://www.sc.com.my/investor-empowerment/investor-alert-list
Financial Consumer Alert List. Bank Negara Malaysia. https://www.bnm.gov.my/financial-consumer-alert-list
Verifying insurance agents at your fingertips. The Star, 2016. https://www.thestar.com.my/business/business-news/2016/01/29/check-status-of-insurance-agents-at-your-fingertips/
Worked examples and charts: Invest And Grow calculations using the stated assumptions (5% EPF dividend, 2.5% bank rate, 3% inflation, payments at the start of each month, interest added yearly).
Comments