EPF savings are divided into three accounts:
- Retirement Account (75%)
As a source of income during retirement
Can only be withdrawn when the employee reaches the age of 55 - Sejahtera Account (15%)
For retirement preparation. Can be withdrawn for specific purposes such as buying a house, medical treatment for critical illnesses, purchasing insurance/takaful coverage, performing Hajj or education fees with certain conditions - Flexible Account (10%)
Allows employees to access their savings if needed with certain conditions
Updated date: 13/3/2026
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