{"id":18447,"date":"2025-03-05T15:00:00","date_gmt":"2025-03-05T07:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/pmx-malaysians-will-struggle-during-retirement-with-early-epf-withdrawals.html"},"modified":"2026-03-27T15:19:57","modified_gmt":"2026-03-27T07:19:57","slug":"pmx-malaysians-will-struggle-during-retirement-with-early-epf-withdrawals","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/government-policy\/pmx-malaysians-will-struggle-during-retirement-with-early-epf-withdrawals.html","title":{"rendered":"PMX: Malaysians Will Struggle During Retirement With Early EPF Withdrawals"},"content":{"rendered":"<p style=\"font-size: 14px; text-align: center;\"><em>(Image: Bernama)<\/em><\/p>\n<!--more--><p style=\"font-size: 18px; text-align: left;\"><\/p>\n<p class=\"wp-block-paragraph\">Prime Minister Datuk Seri Anwar Ibrahim, during the Minister\u2019s Question Time at the Dewan Rakyat sitting yesterday, warned that allowing too much flexibility in withdrawing Employees\u2019 Provident Fund (EPF) savings before retirement could lead to financial problems later in life. He said early withdrawals would leave people with insufficient savings in old age.<\/p>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<p class=\"wp-block-paragraph\">Anwar emphasised that <span style=\"font-weight: bold;\">for decades, including during his previous tenure as Finance Minister, the policy has been to avoid large withdrawals<\/span> since EPF savings are meant for retirement. While exceptions have been made for cases of hardship or illness, he stressed the need to balance meeting immediate needs with ensuring enough savings for the future.<\/p>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<p class=\"is-layout-flow wp-block-quote-is-layout-flow\">\u201c<span style=\"font-weight: normal;\">EPF has made it clear that the <span style=\"font-weight: bold;\">majority of contributors, especially among the Malays, have very small savings<\/span>. So, opening up this (early withdrawal) option will cause problems when they retire<\/span>.\u201d<\/p>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-no-further-targeted-epf-withdrawals\">No Further Targeted EPF Withdrawals<\/h2>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<p class=\"wp-block-paragraph\">When asked by Nurul Amin Hamid (PN-Padang Terap) if the government would consider introducing targeted withdrawals for those struggling, Anwar confirmed that the federal government has <span style=\"font-weight: bold;\">no plans to introduce further targeted withdrawals<\/span> for EPF contributors.<\/p>\n<p style=\"font-size: 18px; text-align: left;\"><\/p>\n<p style=\"font-size: 18px; text-align: left;\"><\/p>\n<p class=\"wp-block-paragraph\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/EPF%20AI.webp?resize=640%2C396&#038;ssl=1\" width=\"640\" height=\"396\" loading=\"lazy\" alt=\"EPF AI\" style=\"height: auto; max-width: 100%; width: 1200px;\"><\/p>\n<p style=\"font-size: 14px; text-align: center;\"><em>(Image: EPF)<\/em><\/p>\n<p>Citing EPF data, Anwar explained that ethnic Bumiputera contributors have some of the lowest retirement savings, with a median of just RM8,920 as of last December, and to address this, <span style=\"font-weight: bold;\">special exemptions are already available<\/span> for those in critical situations. While broad-based withdrawals won\u2019t be reinstated, EPF will consider <span style=\"font-weight: bold;\">appeals on a case-by-case basis<\/span> based on financial urgency.<\/p>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-mandatory-shariah-savings-contributions-for-muslims\">Mandatory Shariah Savings Contributions For Muslims<\/h2>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<p class=\"wp-block-paragraph\">On mandatory Shariah savings for Muslims, Anwar clarified that the government has <span style=\"font-weight: bold;\">no plans to enforce it<\/span>. He highlighted the 6.30% dividend rate for both conventional and Shariah savings <strong>\u2014<\/strong> the first time they have been equal since 2017 \u2014 as a key milestone.<\/p>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<p class=\"is-layout-flow wp-block-quote-is-layout-flow\">\u201cThis [dividend] record is important because this will further encourage Muslims to contribute. With further encouragement and explanation, it is hopeful the number of contributors will increase.\u201d<\/p>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-epf-contributions-for-foreign-workers\">EPF Contributions For Foreign Workers<\/h2>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<p class=\"wp-block-paragraph\">Regarding EPF contributions for foreign workers, Anwar assured that this policy would not affect citizens&#8217; retirement savings. Protecting local workers remains a priority. The 2% mandatory contribution for foreign workers, introduced in Budget 2025, aligns with international labour standards and promotes <span style=\"font-weight: bold;\">fair treatment<\/span> for all workers.<\/p>\n<p style=\"font-size: 18px; text-align: left;\"><\/p>\n<p style=\"font-size: 18px; text-align: left;\"><\/p>\n<p class=\"wp-block-paragraph\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/Finance%20Minister%20II%20Datuk%20Seri%20Amir%20Hamzah%20Azizan.jpg?resize=640%2C470&#038;ssl=1\" width=\"640\" height=\"470\" loading=\"lazy\" alt=\"Finance Minister II Datuk Seri Amir Hamzah Azizan\" style=\"height: auto; max-width: 100%; width: 1200px;\"><\/p>\n<p style=\"font-size: 14px; text-align: center;\"><em>(Image: Bernama)<\/em><\/p>\n<p>Finance Minister II Datuk Seri Amir Hamzah Azizan added that this policy aims to improve wage equity and <span style=\"font-weight: bold;\">prevent disadvantages for local workers<\/span> while maintaining EPF\u2019s retirement savings framework.<\/p>\n<p style=\"font-size: 18px; text-align: left;\"> <\/p>\n<p class=\"wp-block-paragraph\">(Source:&nbsp;Bernama; <a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2025\/03\/04\/anwar-reiterates-govt-has-no-plans-to-introduce-further-targeted-epf-withdrawals\/168579\" target=\"_blank\" rel=\"noreferrer noopener\">MalayMail<\/a>)<\/p>\n<p style=\"font-size: 18px; text-align: left;\"><\/p>","protected":false},"excerpt":{"rendered":"<p>(Image: Bernama)<\/p>\n","protected":false},"author":268230141,"featured_media":259,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[436],"tags":[],"class_list":["post-18447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - 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