EPF: The ULTIMATE Savings Strategy for Malaysians

Contributions to EPFs are always made automatically, but how do they actually benefit you? 🔴 𝗦𝘁𝗮𝗿𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗜𝗕𝗞𝗥 ➡️ https://www.interactivebrokers.com/mk...

🔴 𝗦𝘁𝗮𝗿𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗜𝗕𝗞𝗥 ➡️ https://www.interactivebrokers.com/mk...

⬇️ Timestamps:
0:00 → Introduction
0:35 → What is EPF doing with your money?
1:32 → Is your money safe with EPF?
2:28 → EPF vs CPF
2:52 → Total Asset Base
3:14 → Contribution Rate & Tax Relief
4:18 → Retirement Withdrawal
6:04 → Housing Withdrawal
7:09 → Death Withdrawal
7:55 → EPF vs CPF Returns
9:30 → Conclusion

In this video, we’ll explore the ins and outs of Malaysia’s EPF (Employees Provident Fund) and Singapore’s CPF (Central Provident Fund) to understand where your retirement savings go and how they’re managed. Every month, Malaysians see 11% of their salary go into EPF, but what happens to that money? We’ll reveal EPF's massive RM1.14 trillion asset base, its diverse investments, and compare it to CPF’s approach, which focuses on stability with government-backed bonds. If you’ve ever wondered how these two funds stack up in terms of growth and safety, this deep dive is for you!

We’ll also discuss the differences in contribution rates, withdrawal options, and tax benefits for each fund—plus, why Singapore’s CPF has a larger balance despite fewer members. Are EPF's flexible withdrawal options worth it, or is CPF’s stricter, long-term approach better for sustainable retirement? Join us as we break down the pros and cons, and don’t forget to subscribe and stay tuned for more insights on finance, retirement, and investing!

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Malaysia retirement savings
EPF withdrawals
EPF vs CPF Comparison
EPF Returns 2024
EPF Safety and Security
EPF Contribution Rate Malaysia
Financial planning
Investment dividends
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Financial literacy
EPF Claim
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