{"id":3285,"date":"2022-05-13T09:19:50","date_gmt":"2022-05-13T09:19:50","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=3285"},"modified":"2023-11-30T10:18:30","modified_gmt":"2023-11-30T10:18:30","slug":"over-rm52-billion-lost-in-retirement-savings","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/over-rm52-billion-lost-in-retirement-savings\/","title":{"rendered":"Over RM52 Billion Lost in Retirement Savings"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3285\" class=\"elementor elementor-3285\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-424920a elementor-section-full_width xts-section-stretch-content elementor-section-height-default elementor-section-height-default\" data-id=\"424920a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51d26a3\" data-id=\"51d26a3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84d89f2 elementor-widget elementor-widget-html\" data-id=\"84d89f2\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t[xts_html_block id=\"3506\"]\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86c14ad elementor-section-full_width elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"86c14ad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c446df\" data-id=\"5c446df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1e5a17 elementor-widget elementor-widget-shortcode\" data-id=\"a1e5a17\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/family\/\" rel=\"category tag\">\n\t\t\t\t\t\tFamily\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2022-05-13T09:19:50+00:00\">\n\t\t\t\t\t13 Mei 2022\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2023-11-30T10:18:30+00:00\">\n\t\t\t\t\t30 November 2023\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tOver RM52 Billion Lost in Retirement Savings\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60bed14 xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"60bed14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>The latest special withdrawal under the Employee Provident Fund (EPF), has so far resulted in more than\u00a0\u00a0<b>RM52 billion worth of retirement savings<\/b>\u00a0being withdrawn so far. With more than 5.3 million applicants, being able to withdraw up to RM10,000 from their savings until the end of April, total withdrawals across all four of these EPF withdrawals have resulted in more than\u00a0<b>RM150 billion ringgit removed<\/b>\u00a0from 5.2 million EPF accounts.\u00a0<\/p><div id=\"attachment_9124\" class=\"wp-caption alignnone\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-9124 size-medium\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-2-300x188.jpg\" sizes=\"(max-width: 300px) 100vw, 300px\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-2-300x188.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-2-768x480.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-2-234x146.jpg 234w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-2-50x31.jpg 50w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-2-120x75.jpg 120w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-2-750x469.jpg 750w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-2.jpg 800w\" alt=\"\" width=\"300\" height=\"188\" aria-describedby=\"caption-attachment-9124\" \/><\/p><p id=\"caption-attachment-9124\" class=\"wp-caption-text\">EPF Withdrawals<\/p><\/div><h4><strong>But who exactly withdrew from their accounts and what did they do with it?\u00a0<\/strong><\/h4><p>This fourth round of withdrawals, allegedly the last of its kind, was initiated to help members of the public who were still affected by the effects of COVID-19 and recent flood damages. This withdrawal allowed members, under the age of 55 years old, to withdraw up to RM10,000 from their savings.\u00a0<\/p><p>According to reports as of April 14, 2022, out of the 5.3 million applications received by EPF for its Special Withdrawal facility, accounted for 44% out of the 11.95 million eligible EPF users. This includes 55% of its B40 members (earning less than RM1,700), 59% of M40 members (RM1,701 \u2013 RM4,900) and 39% of its T20 members (earning RM4,901+).\u00a0<\/p><p>EPF has started that the majority of applicants were from the Bumiputra Malay community, making up 63% of applicants. This was followed by Bumiputera Sabah &amp; Sarawakians (17%),\u00a0 Chinese (12%), and Indians (7%).\u00a0<\/p><h2><b>Top Three Reasons for EPF Withdrawal<\/b><\/h2><p>According to EPF, the top three reasons for special withdrawal applications were due to a\u00a0<strong>reduction in income or wage<\/strong>\u00a0(24%), followed by wanting to\u00a0<strong>assist affected spouses or family<\/strong>\u00a0members (23%), and a means to\u00a0<strong>increase sources of income<\/strong>\u00a0(14%).\u00a0<\/p><p>Whilst results of the survey showed that the majority of the money withdrawn had been intended for immediate needs of EPF members such as<strong>\u00a040% put their money towards daily or monthly essential expenditures<\/strong>;\u00a0<strong>26% channelled it to settle any outstanding debts<\/strong>;\u00a0<strong>8% wanted to increase their emergency funds<\/strong>\u00a0and\u00a0<strong>7% wanted to assist affected famil<\/strong>y members.\u00a0Less than 20% of applicants were going to use the proceeds for other long term purposes, such as children\u2019s education, non-essential expenditure, and investments.<\/p><p>This is to be expected with the recent\u00a0<strong>Consumer Price Index<\/strong>\u00a0released by the\u00a0<a href=\"https:\/\/www.dosm.gov.my\/v1\/index.php\" target=\"_blank\" rel=\"noopener noreferrer\">Department of Statistics Malaysia<\/a>\u00a0showing a moderate increase from 2.2% from 122.5 in February 2021 to 125.2 in February 2022. The reality of basic ingredients such as condensed milk and evaporated milk to make coffee or tea, vegetables, poultry, eggs and other food items is just becoming more expensive.<\/p><p><img decoding=\"async\" class=\"aligncenter wp-image-9126 size-full\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-3.jpg\" sizes=\"(max-width: 298px) 100vw, 298px\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-3.jpg 298w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-3-257x146.jpg 257w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-3-50x28.jpg 50w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2022\/05\/Image-3-132x75.jpg 132w\" alt=\"\" width=\"298\" height=\"169\" \/><\/p><p>With the constant rise in food prices, along with persisting inflation and the Raya celebrations, the withdrawal did ease the financial burden of its contributors. However, it is important to remember that these measures are only effective in the short term. In the long run, users that have exhausted their savings early on will be left with almost nothing in the future, ultimately triggering more social problems.<\/p><p>Under the previous three rounds \u2014 i-Lestari, i-Sinar and i-Citra \u2014 implemented since the Covid-19 outbreak in 2020, resulting in more than\u00a0<b>RM150 billion ringgit removed<\/b>\u00a0from 5.2 million EPF accounts.\u00a0\u00a0<\/p><p>Post withdrawals, EPF has moved to remind its members to consider their long-term income security and only withdraw their savings if it is absolutely necessary and to utilise the money wisely and for appropriate purposes.<\/p><h4><strong>References:<\/strong><\/h4><p>Parkaran. K. (2022). Special withdrawals may leave Bumiputera EPF members worse off. Free Malaysia Today.\u00a0<a href=\"https:\/\/www.freemalaysiatoday.com\/category\/opinion\/2022\/04\/25\/special-withdrawals-may-leave-bumiputera-epf-members-worse-off\/\" target=\"_blank\" rel=\"noopener noreferrer\">Link.\u00a0<\/a><\/p><p>Ikram. I. (2022). EPF: Applications to withdraw RM40b received under the Special Withdrawal facility. The Edge Market.\u00a0<a href=\"https:\/\/www.theedgemarkets.com\/article\/epf-applications-withdraw-rm40b-received-so-far-under-special-withdrawal-facility\" target=\"_blank\" rel=\"noopener noreferrer\">Link.<\/a><\/p><p>Yeo. A. (2022). Financial literacy the responsibility of all. Khmer Times.\u00a0<a href=\"https:\/\/www.khmertimeskh.com\/501065323\/financial-literacy-the-responsibility-of-all\/\">Link<\/a>.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] The latest special withdrawal under the Employee Provident Fund (EPF), has so far resulted in more than\u00a0\u00a0RM52 billion worth of retirement savings\u00a0being withdrawn so far. With more than 5.3 million applicants, being able to withdraw up to RM10,000 from their savings until the end of April, total withdrawals across all four of these [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3286,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,61],"tags":[62,63,64,65,66,67,68],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Over RM52 Billion Lost in Retirement Savings - IBPO Group<\/title>\n<meta name=\"description\" content=\"The latest special withdrawal under the Employee Provident Fund (EPF), has so far resulted in more than RM52 billion worth of retirement savings being withdrawn so far.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/bm\/over-rm52-billion-lost-in-retirement-savings\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Over RM52 Billion Lost in Retirement Savings - 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