Persona Journey

Pre-Retirement Planning
Pre-retirement planning is very important to ensure that employees' lives after retirement are secure and comfortable. It includes financial management, lifestyle preparation and the direction of activities they want to do after retirement. Follow specific topics and guides related to retirement planning in this persona journey.

Managing Civil Servant Retirement
For civil servants, retirement is an important phase that marks the end of service to the country and the beginning of a new life. Retirement management needs to be done in an orderly manner, covering pensions, rewards, health benefits and welfare provided by the government. Identify topics and guidelines related to retirement management as a civil servant in this persona journey.

Managing ATM Veteran Retirement
For veterans of the Malaysian Armed Forces (ATM), retirement not only marks the end of their service to the country, but also the beginning of a new phase of life. Retirement management includes pension or gratuity claims, welfare facilities, health, as well as second career opportunities provided by the government through the Department of Veterans Affairs (JHEV) and related agencies.

Health Facilities for Civil Service Retirees and ATM Veterans
As a retired civil service member and ATM veteran, the healthcare facilities provided by the government are one of the benefits that you can enjoy after retirement. This access includes free or subsidized treatment at government hospitals and clinics, healthcare facilities, specialist treatment and special health protection schemes. Identify the healthcare facilities for retirees who have served the country through the topics in this persona journey.

Managing EPF Contributor Retirement
For Employees Provident Fund (EPF) contributors, retirement requires careful planning so that the savings accumulated throughout the working period can be used wisely. This management includes savings withdrawal, reinvestment and long-term financial planning. Follow topics related to retirement for EPF contributors through this persona journey.

Managing the Death of a Retiree
The government provides various assistance and benefits after the death of retirees to ensure that the welfare of heirs continues to be maintained. This support includes the payment of pensions, death benefits and other welfare assistance channeled through relevant government agencies. Identify assistance and benefits related to the death of retirees in this persona journey.
