Happy New Year, friends! Starting today, a suite of important changes to the Employees Provident Fund (EPF) takes effect — and if you’re serious about building financial security and retirement freedom, you’ll want to know what these mean for you.

As someone who talks to regular Malaysians about money, property and long-term planning every week, my goal is simple: help you turn policies into practical moves you can use to grow your wealth.

Let’s break this down in a way that’s clear and actionable.

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🔹 1. Expanded Retirement Planning Tools (RIA Framework)

EPF has introduced a Retirement Income Adequacy (RIA) Framework that gives benchmarks for how much you should aim to save by retirement:

• Basic Savings: RM390,000
• Adequate Savings: RM650,000
• Enhanced Savings: RM1.3 million
  These are guidelines, not limits — but they are extremely useful targets to align your financial plan with real aspirations and lifestyle goals in retirement.

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🔹 2. More Flexibility for High-Savings Members

If you’ve been disciplined and grown your EPF to more than RM1 million, the new rules give you more control over that excess:

• From 2026, the threshold before you can withdraw excess savings will increase gradually — starting at RM1.1M this year, then RM1.2M and RM1.3M in future years.

Why is this smart? Because the policy encourages strong retirement savings first before letting you unlock surplus funds — great if you are thinking about investment or business opportunities after securing your basics.

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🔹 3. New Opportunities for Gig and Informal Workers

This is a huge deal for drivers, riders and the self-employed:
EPF is launching i-Saraan Plus, an enhanced contribution scheme just for gig workers — with government matching of up to RM600 per year (capped at RM6,000 lifetime).

This means you’re effectively getting a subsidy from the government just for saving — and that boosts your retirement-nest egg without extra burden.

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🔹 4. i-Suri Extended to Age 60

For homemakers and spouses who contribute voluntarily under i-Suri, the eligibility age has been raised from 55 to 60.
Plus, the 50% government matching incentive continues — meaning more government help to grow your savings pot.

For many families, this is a practical way to build savings even without a traditional salary.

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🔹 5. Haj Withdrawal Limit Increased

Good news if performing Hajj is in your 2026 plans:
You can now withdraw up to RM10,000 from your EPF Hajj savings, up from RM3,000 previously — and with a simpler process.

This change shows that EPF understands real life goals — not just retirement — and is adapting to help you plan important life milestones.

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🔹 6. Helpful Changes to Investment Eligibility

The Members Investment Scheme (MIS) — which lets EPF contributors invest part of their savings — will now align with the basic RIA savings level.
This means the minimum savings balance required for MIS participation increases gradually, ensuring that investment decisions don’t compromise your core retirement needs.

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What This Means for Your Money Strategy

Here’s how you can think about these changes in your financial plan:

✅ Make EPF savings your foundation — the new RIA Framework gives goals to aim for.
✅ If you’re a gig worker or informal worker, take advantage of voluntary schemes like i-Saraan Plus — free government matching is like extra income.
✅ Plan ahead for retirement AND life goals — from Hajj to home deposits to future business capital.
✅ Keep investing mindfully — the MIS changes protect retirement security first, while letting disciplined savers grow their wealth.

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My Take: Retirement Isn’t Just an Age — It’s a Strategy

Too many Malaysians think of EPF as just something you touch at 55. But with these changes, EPF is becoming a more powerful engine for lifelong financial planning — from your 20s all the way to retirement and beyond.

If you’re building property portfolios, planning business income, or aiming for financial freedom, understanding how to use EPF strategically makes all the difference.

Stay savvy, stay disciplined — and let’s make 2026 the year your financial future gets real traction.

💬 Got questions about how to align these EPF changes with your property or investment goals? Ask me below!

From the Desk of

Miichael Yeoh

EPF Malaysia 2025: Everything You Need to Know