EPF guides, retirement planning, i-Saraan and voluntary contribution schemes for Malaysians.
13 articles
EPF's dividend rate runs through a three-tier approval chain, not a single decision. Here's who actually sets it, how MADB affects your personal payout, and whether pre-election dividends are really political.
Your EPF nomination overrides your will — no matter what the will says. ASB, meanwhile, has no nomination system at all. A full breakdown of how EPF, ASB, Faraid and the Distribution Act actually interact when you die, and the checklist that closes every gap.
EPF runs two completely different portfolios — a conservative, dividend-heavy Malaysian book, and a genuinely aggressive US tech portfolio disclosed only because US law forces it to. What Nvidia, Microsoft and EPF's Bursa holdings actually reveal about your retirement dividend.
EPF's 2025 dividend fell to 6.15% from 6.3% — but the payout hit a record RM79.6 billion. Here's why the rate dropped, where the money came from, and what it means for your retirement savings.
EPF is your guaranteed foundation. PRS offers up to RM3,000 in tax relief but no capital guarantee. Here's the honest framework for which to prioritise, and in what order.
Your EPF Akaun Sejahtera can cover your house down payment — but the rules, the shortfall formula, and the real opportunity cost catch most first-timers off guard. The complete step-by-step guide for 2026.
The government matches 20% of your i-Saraan contribution — free money up to RM500/year, or RM600/year with the new i-Saraan Plus for e-hailing drivers. Complete step-by-step guide for self-employed Malaysians.
74% of Malaysians retire with less than RM100,000 in EPF. EPF's new RIA Framework sets 3 tiers — RM390,000, RM650,000 and RM1.3 million. Which tier are you on, and how do you bridge the gap? Full 2026 action plan.
EPF's new 2026 RIA Framework sets 3 retirement tiers — RM390,000 Basic, RM650,000 Adequate, RM1.3 million Enhanced. Only 10.2% of Malaysians are on track for a comfortable retirement. Here is exactly what each tier means for you.
EPF Akaun Fleksibel lets you withdraw anytime for any reason with no documentation. But should you? RM16.6 billion withdrawn by October 2025 — here is what the data says and when it actually makes sense to withdraw.