EPF’s i-Emas: Why You Shouldn't Take a Lump Sum at 55

For most of our working lives, EPF is about building up our retirement savings. But once we retire and that balance becomes accessible, the challenge changes: how do we make those savings last for the rest of our lives?

Balqais Yusoff, Head of the Policy and Strategy Department at the EPF, joins Ringgit & Sense to unpack i-Emas, the fund’s refreshed monthly withdrawal facility designed to turn retirement savings into regular, predictable income.

She explains the five core decumulation strategies, why leaving your balance to compound while withdrawing monthly beats parking lump-sum withdrawals elsewhere, and how EPF's Retirement Income Adequacy (RIA) framework helps members map their savings against their actual living needs in retirement.

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