EPF guides, retirement planning, i-Saraan and voluntary contribution schemes for Malaysians.
8 articles
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 RM16.6 billion withdrawn by October 2025 — here is what the data says and when it actually makes sense to withdraw.
How much richer will you be choosing EPF over ASB after 40 years? We break down the lifetime wealth difference, tax relief savings by salary bracket, and the exact strategy to use at every life stage.
EPF paid 6.15% in 2025 while ASB paid 5.75 sen per unit. But which is actually better for you? We break down the real numbers, the reasons behind EPF's outperformance, and the smart way to use both.
Maximise your EPF savings with these 7 practical investment tips tailored for Malaysians. From Account 1 top-ups to EPF i-Invest, here's how to grow your retirement fund smarter.