Salary & Benefits

How Malaysians actually spend their EPF Account 1

by Khairul Anuar·December 16, 2025

Account 1 (70%) only touchable at 55. Account 2 (30%) for housing, education, medical. Most people don't plan with this in mind.

#EPF#retirement#Malaysia#personal-finance

Comments (2)

Nurhayati Ali57

Flexi EPF i-Sinar showed many Malaysians their balance and they were shocked. Financial planning was never taught in school.

Fuad Saufi45

The retirement calculator on KWSP website is eye-opening. Run it every year and adjust voluntary contributions accordingly.