How to maximise your EPF properly in 2026

Описание: "EPF just announced a 6.15 percent dividend for 2025. Tax free. Capital protected. Minimum guaranteed 2.5 percent. In a year where markets were volatile and fixed deposits were only around 3 to 4 percent, this is not a small number. But the real issue is not the dividend rate. The real issue is whether you are actually maximising your EPF properly. In this video, I break down a clear step by step structure to optimise your EPF in 2026. We cover:

• How increasing your contribution from 11 percent to 15 or 20 percent can create a huge long term impact
• Why protecting compounding is more important than chasing higher returns
• How the three account structure Akaun 1 Akaun 2 and Akaun 3 should actually be used
• When to consider tools like i Saraan and the Member Investment Scheme
• How to combine EPF with stocks using a simple 70 30 framework

For example, if you invest 100000 ringgit, keeping 70000 ringgit inside EPF earning around 6.15 percent while allocating 30000 ringgit into stocks can give you both stability and growth. Even if markets drop 20 percent, most of your capital remains protected. EPF is not just a compulsory deduction. For most Malaysians, it can be the strongest foundation for long term wealth if structured properly. This video is especially relevant for salaried workers, self employed individuals, gig workers, and anyone thinking seriously about retirement planning in Malaysia.

Let me know in the comments. Have you truly maximised your EPF?

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Disclaimer: This video is for general information and education only and does not constitute financial or investment advice. Do your own research and manage your risk.

#MalaysiaInvesting #EPF #KWSP #PersonalFinanceMalaysia #HuatEquity"