From 11 May 2024 onwards, our EPF contributions would be split into:

1. 75% into Account 1 – Persaraan
2. 15% into Account 2 – Sejahtera
3. 10% into Account 3 – Fleksibel

The first account is “untouchable” and meant for retirement.

The second account could be used to fund major life events: housing, insurance and education.

The third account is where things get interesting. It is an emergency fund which allows us to ride through tough times. Should we treat it as such or otherwise?

In this webinar, I share:

– Pros and cons to this recent EPF changes.
– Key considerations to keep or withdraw EPF Account 3
– Should we apply for its Initial Account Transfer into Account 3?

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Financial educator, author and trainer

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