EPF 2026 Policy Reforms
The Employees Provident Fund has introduced major policy updates for 2026 to enhance retirement adequacy and expand social protection for diverse worker groups.
最新更新于 2026-01-12
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📈 New Retirement Adequacy Benchmarks
The Employees Provident Fund (EPF) has raised its retirement adequacy benchmark to between RM1.3 million and RM1.5 million. This significant increase aims to ensure members can maintain a reasonable standard of living post-retirement, accounting for inflation and rising healthcare costs, moving away from the previous basic savings target of RM240,000.
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💰 Tighter Rules For Million-Ringgit Savings
Members with savings exceeding RM1 million will face new withdrawal regulations designed to prevent rapid depletion of funds. The revised policy shifts away from lump-sum withdrawals, encouraging a more structured or phased approach to ensure long-term financial sustainability for high-savings members throughout their retirement years.
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🕋 Increased Haj Withdrawal Limit
To assist members in performing their religious obligations, the EPF has increased the Haj withdrawal limit from RM3,000 to RM10,000. This enhancement is part of the 2026 policy updates intended to provide greater flexibility and support for members facing the rising costs associated with the pilgrimage.
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🛡️ Expanded i-Saraan Plus And Social Protection
The EPF has introduced i-Saraan Plus to encourage self-employed individuals and those in the informal sector to save more consistently. The 2026 reforms also expand social protection initiatives specifically targeting housewives and p-hailing workers, ensuring these groups have access to structured retirement schemes and government-backed incentives.
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