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EPF Raises the Bar. But Is It Enough?
According to New Straits Times, The Employees Provident Fund (EPF) has announced that its Basic Savings target will rise from RM240,000 today to RM390,000 by 2028.
On paper, this looks like progress. But here’s the real question: is RM390,000 enough for more than just survival?
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Image by News Strait Times
The Reality Check: Doing the Math
RM390,000 spread over 20 years equals about RM1,625 a month.
(using just a simple division, assuming any returns you get only preserve your money against any inflation)
Here’s what that covers today:
RM500 for groceries and basic household items
RM300 for electricity, water, and internet bills
RM200 for petrol and tolls
RM300 for insurance and medical check-ups
RM200 for small things like lunch at the mamak, Raya clothes, or birthday gifts
That’s already RM1,500 gone each month, leaving almost nothing for the unexpected.
A dengue hospital bill can wipe out RM5,000 in a week.
A heart bypass at a private hospital may cost RM16,000.
Sending a child to university? A local degree can reach RM123,000, while an overseas degree may exceed RM1.3 million.
Even one family holiday to Tokyo or London could cost RM8,000–10,000.
And with prices creeping up each year, that RM1,625 will feel like RM1,200 in just a decade.
Question is, is that even enough for survival necessities in the current economy we are living in? If it isn't, let alone having this amount for security or freedom in the future.
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If you didn't know, over the past 13 years, the price of roti canai, once the symbol of an affordable Malaysian breakfast, has risen sharply from about RM0.90 (2011) to RM1.54 (2024), a rise of 71.1%, according to the Department of Statistics Malaysia’s Analysis of Annual CPI 2024, as reported by The Star.
In many Kuala Lumpur eateries today, it’s common to pay RM1.80 to RM2.00 for a single piece. This steady climb, driven by higher costs of flour, oil, and wages, shows how inflation quietly erodes purchasing power over time.
What used to be a simple RM1 meal now costs nearly double, reminding us that even small daily expenses add up and that inflation affects everyone, one roti at a time.
Click on the button below to discover how to beat inflation and secure you financial future.
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The Retirement Shortfall Is Real
Life in Malaysia is getting more expensive in ways that hit close to home:
Healthcare: Medical inflation hit 12.6% in 2023, and insurance premiums rose 20–40% in 2024.
Public hospitals: Even UMMC raised consultation fees, highlighting that “low-cost” medical care is becoming more expensive.
Children’s education: Parents often sacrifice retirement savings to fund education. A local degree is around RM123,000; overseas more than RM1.3 million.
Longevity: Malaysians are living longer, with life expectancy now at 75 years and climbing. That means more years of expenses to cover.
Lifestyle: From family trips abroad to supporting grandchildren, most retirees want more than just to scrape by.
These realities show why RM390,000 may stretch for survival, but not for security and certainly not for the life you’ve imagined after decades of work.
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EPF Alone Isn’t Enough - Here’s How to Bridge the Gap
With systematic investing in stronger markets, you have the opportunity not just to protect your savings but to grow them significantly.
When you become your own investment expert using the systematic approach to investing and trading, the results can be powerful.
You would probably be wondering how much return is possible from US stock investing & trading.
Here’s a comparison showing how RM10,000 could potentially grow over 10 years depending on your approach. When you become your own investment expert and invest in the US market, the results can be powerful and all this can be achieved through a systematic and safe approach.
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Expected compounded average returns achieved through a consistent strategy, commitment and disciplined execution.
These results aren’t magic, they’re what’s possible when you invest with clarity, structure, and the right guidance.
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You Don’t Need to Be an Expert - You Just Need a System
Many Malaysians hold back from investing because they think it’s too risky, too complex, or “only for professionals.” The truth is, anyone can learn to invest safely with the right structure and guidance.
At Beyond Insights, we’ve helped thousands of complete beginners from engineers and teachers to business owners and retirees build the confidence to manage their own investments. Our systematic approach takes the guesswork out of investing, so you can make decisions based on logic, not emotion.
When you follow a clear process and risk management rules, investing becomes less about luck and more about consistency.
Take Kai Rou, one of our students as an example. Kai Rou, an accountant, joined Beyond Insights seven years ago and soon realised that with a systematic process, trading isn’t as hard as it seems.
“Investing now feels easier than going to work! Just follow the steps and it’s really not that hard,” she laughed.
Her returns grew from 10% to a steady 30% per year, giving her both confidence and a sense of accomplishment.
“Once you learn the right method, investing isn’t complicated, you just have to be willing to learn.”
Here's the full video of Kai Rou's sharing on her trading journey experience.
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The Path Forward: A Systematic Approach to Investing
EPF gives you a foundation.
To protect and grow beyond that, you need a systematic way to invest. At Beyond Insights, we teach the STPM Framework, a 4-step method to help ordinary Malaysians invest with clarity and confidence:
Select the right stocks based on growth potential and fundamentals.
Time your entry and exit with technical analysis.
Protect your capital with stop-loss and money management rules.
Multiply your returns through compounding, scaling, or instruments like Options and CFDs.
It is not about gambling on tips or chasing hype. It is about following a structured system that works across market conditions.
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Empowerment, Not Fear
The new EPF thresholds are a reminder: saving is important, but saving alone won’t buy you the retirement you deserve. By learning to invest systematically, you’re not only protecting yourself against inflation, you are also opening the door to a retirement filled with choices, not compromises.
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Take Your First Step
If you have been wondering whether you’re on track, or if EPF alone is enough, now is the time to find out.
Join our free 3-hour webinar, Global Investing & Trading Made Simple, where we’ll show you the STPM framework that we teach our community of 7500+ students to build wealth safely & sustainably in the global stock market.
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Because retirement shouldn’t just be about getting by. It should be about living the life you’ve worked so hard for with confidence and freedom.
Cheers,
Arthur Kueh
Team Beyond Insights
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