Direct Answer
Effective 11 May 2024, EPF contributions are automatically divided into three dedicated accounts: Akaun Persaraan (75%) for retirement, Akaun Sejahtera (15%) for medium-term needs, and Akaun Fleksibel (10%) for short-term emergency withdrawals.
Official Reference & Source Citation
Publisher: Employees Provident Fund (KWSP Malaysia)
Document / Schedule: EPF Act 1991 — Third Schedule (Jadual Ketiga)
Effective Date: October 2025 wages onwards
Last Checked by EPF-Calculator.my: 26/07/2026
Official Source Link: Visit Official KWSP Portal (kwsp.gov.my) ↗