\n<\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-will-having-account-3-affect-the-dividend-rates\">Will having Account 3 affect the dividend rates?<\/h3>\n\n\n\nIf you make a withdrawal, it will affect the dividend rate just like the previous system<\/strong>. <\/p>\n\n\n\nSimply put: the more you withdraw, the lower the rate.<\/strong><\/p>\n\n\n\nSo, if you never take out any money<\/strong> from your Account 3 – even if you’ve chosen to enable it – it will not affect<\/strong> your dividend rate.<\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><a href=\"https:\/\/twitter.com\/ongmalimali?ref_src=twsrc%5Etfw\">@ongmalimali<\/a>. Rest assured that the dividend for Account 3 (Flexible Account) will be the same as Account 1 (Retirement Account) and Account 2 (Wellbeing Account). TQ. -ZHS-<\/p>— KWSPMalaysia (@KWSPMalaysia) <a href=\"https:\/\/twitter.com\/KWSPMalaysia\/status\/1783392970118480290?ref_src=twsrc%5Etfw\">April 25, 2024<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-going-to-happen-to-the-savings-inside-my-existing-epf-accounts\">What is going to happen to the savings inside my existing EPF accounts?<\/h3>\n\n\n\nIn general, nothing<\/strong> is going to happen to them.<\/p>\n\n\n\nThis is because all of the existing savings inside your Account 1 and Account 2 will still be there while the new Account 3 will start at RM0<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"876\" height=\"555\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm.webp\" alt=\"\" class=\"wp-image-84146\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm.webp 876w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-300x190.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-768x487.webp 768w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-370x234.webp 370w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-865x548.webp 865w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-642x407.webp 642w\" sizes=\"(max-width: 876px) 100vw, 876px\" \/><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.kwsp.gov.my\/w\/epf-account-3-info\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">EPF Malaysia<\/mark><\/strong><\/a><\/figcaption><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-when-can-you-start-withdrawing-from-account-3\">When can you start withdrawing from Account 3?<\/h3>\n\n\n\nIf you opt in between May 11 and August 31<\/strong>, you can start withdrawing after May 13<\/strong>.<\/p>\n\n\n\nThe money will be credited into the third account<\/strong> with the option to withdraw after May 13.<\/p>\n\n\n\nYou can apply through the EPF app KWSP i-Akaun<\/strong> or the Self-Service Terminals<\/strong> at any EPF branches in Malaysia.<\/p>\n\n\n\nIt will take up to 24 hours<\/strong> to transfer the funds from your other accounts into Account 3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-are-there-conditions-to-withdraw\">Are there conditions to withdraw?<\/h3>\n\n\n\nThere are no conditions<\/strong> to withdraw, but bear in mind that you can only withdraw a minimum of RM50<\/strong>. This can be done anytime.<\/p>\n\n\n\nIf you are a contributor aged 55 and below<\/strong>, you have until 31 August<\/strong> to choose to enable Account 3 or not.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-how-to-transfer-from-epf-account-2-to-account-3\">3. How to transfer from EPF Account 2 to Account 3<\/h2>\n\n\n\nDid you know you can move your savings<\/strong> in EPF Account 2 to your Account 3?<\/p>\n\n\n\nIt’s available as a one-time transfer<\/strong>. However, you cannot simply withdraw<\/strong> any amount you like – the amount will depend on the savings you have in Account 2<\/strong>.<\/p>\n\n\n\nHere’s how it works:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Amount in Account 2<\/strong><\/td><td>Savings amount<\/strong><\/td><\/tr><tr><td>> RM3,000<\/td><td>– 1\/3 of your Account 2 savings goes to Account 3 -1\/6 of your Account 2 savings goes to Account 1<\/td><\/tr><tr><td>< RM3,000<\/td><td>All savings will go into Account 3<\/td><\/tr><tr><td>> RM1,000 but < RM3,000<\/td><td>– RM1,000 will be transferred to Account 3 – The rest remains in Account 2<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\nYou can apply for this one-off transfer through the KWSP i-Akaun app<\/strong>, or at Self-Service Terminals<\/strong> at any EPF branch nationwide.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-i-transfer-savings-from-epf-account-3-to-account-1-or-account-2\">Can I transfer savings from EPF Account 3 to Account 1 or Account 2?<\/h3>\n\n\n\nIf you’d like to save all of your EPF contributions<\/strong>, you have the option to move your savings from Account 3 to Account 2 and\/or Account 1.<\/p>\n\n\n\nHowever, this is only a one-way transfer<\/strong>, and you cannot take back the money you have transferred.<\/p>\n\n\n\nIf you want to do so, you will have to visit an EPF branch<\/strong> and submit an application to perform the transfer.<\/p>\n\n\n\nNow the big question is….<\/mark><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-should-you-opt-in-to-account-3\">4. Should you opt in to Account 3?<\/h2>\n\n\n\nIt’s…. complicated. Let’s address a few issues that might arise:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-will-you-end-up-with-less-money-during-retirement\">Will you end up with less money during retirement?<\/strong><\/h3>\n\n\n\nSomething to remember is that the more you withdraw from your EPF, the less you’ll benefit from the compounding effect<\/strong> (a.k.a. the less savings you’ll have once you retire).<\/p>\n\n\n\nAlthough you are receiving an additional 5%<\/strong> in your Account 1, opening an Account 3 means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>less money<\/strong> in your Account 2 (from 30% to 15%!)<\/li>\n\n\n\n<li>if you withdraw more<\/strong>, the EPF dividend rate will reduce<\/strong> in the long run<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-if-you-need-to-use-the-money-in-your-account-2\">What if you need to use the money in your Account 2?<\/strong><\/h3>\n\n\n\nAnother thing to keep in mind is, as mentioned – your Account 2 will have lesser contributions<\/strong>. Simply put, you have less money in your Account 2<\/strong> moving forward.<\/p>\n\n\n\nMost people use their Account 2 savings for needs such as medication, home deposit and education<\/strong>. If you’re planning to use the money for that… you’ll probably have less for it<\/em>.<\/p>\n\n\n\nBut, there is a way to use EPF Account 3 correctly…<\/strong><\/p>\n\n\n\nActually, you can be savvy<\/strong> about it (pun not intended). EPF consistently pays out a 5% dividend,<\/strong> and if you park your other savings into Account 3<\/strong> just like you would with your regular savings account, you get even more<\/strong>!<\/p>\n\n\n\nIn the end, the choice lies in your hands. The CEO of EPF, Ahmad Zulqarnain<\/strong> advised against touching or limiting withdrawals<\/strong> as much as possible.<\/p>\n\n\n\nSean Lee<\/strong>, IQI’s investment strategist<\/strong> gives you even further insights on whether or not to opt in to Account 3 in the latest Property Zone<\/strong> episode. It’s worth the watch:<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Property Zone 2024 | EPF 3, What It Means For You?\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/__vZ5xzWuRY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\nWill you opt in to Account 3?<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\nLooking for other ways to invest for your future? Property investment is the way to go! Get in touch with our professionals below and see how you can boost your savings with property.<\/mark><\/strong><\/p>\n\n\n\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 5699703,\n\t\t\t\t\t\t\t\t\tformId: \"85ebae59-f425-419b-a59d-3531ad1df948\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1777069802000-8808122182\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1777069802000-8808122182\"><\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\nContinue reading:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/withdraw-epf-account-2-buy-house\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">4 <\/mark><\/strong><\/a><a href=\"https:\/\/iqiglobal.com\/blog\/withdraw-epf-account-2-buy-house\">Steps to Withdraw from Your EPF’s Account 2 to Buy a House!<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/how-to-grow-your-epf-savings\">Want to Hit the RM500k Mark in Your EPF Savings by Age 55? Here’s Your Guid<\/mark><\/strong><\/a><a href=\"https:\/\/iqiglobal.com\/blog\/how-to-grow-your-epf-savings\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">e to It!<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/get-your-epf-statement-online\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Here’<\/mark><\/strong><\/a><a href=\"https:\/\/iqiglobal.com\/blog\/get-your-epf-statement-online\">s How To Get Your EPF Statement Online!<\/mark><\/strong><\/a><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"Version: CN, BM We’ve heard stories about EPF Account 3: yup, you can take out money from EPF anytime now. However, is it the right move? A method of ‘forced savings’, EPF is meant to give you a safety net after you retire. But what if you need some emergency funds now? The questions are…<\/p>\n","protected":false},"author":39,"featured_media":84168,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[220],"tags":[9717,10369,265],"class_list":["post-84024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-news","tag-9717","tag-epf","tag-investment"],"yoast_head":"\n<title>EPF Account 3: Emergency Funds or Retirement Savings?<\/title>\n<meta name=\"description\" content=\"Deciding whether to open an EPF Account 3? 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Learn about the new account structure, its benefits, and whether withdrawing money from your EPF is the right choice.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iqiglobal.com\/blog\/guide-to-epf-account-3\/\" \/>\n<meta property=\"og:site_name\" content=\"IQI Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IqiGlobal\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-07T10:08:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-09T08:01:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/akaun-3-kwsp-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1441\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Amir Asraf Lee\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:site\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Amir Asraf Lee\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/guide-to-epf-account-3\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/guide-to-epf-account-3\/\"},\"author\":{\"name\":\"Amir Asraf Lee\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/e09b60d989ede33c5891f18d445480ef\"},\"headline\":\"EPF Account 3: Extra 5% in Your Account 1 + Withdraw Anytime from New Account 3! 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Learn about the new account structure, its benefits, and whether withdrawing money from your EPF is the right choice.","og_url":"https:\/\/iqiglobal.com\/blog\/guide-to-epf-account-3\/","og_site_name":"IQI Blog","article_publisher":"https:\/\/www.facebook.com\/IqiGlobal","article_published_time":"2024-05-07T10:08:24+00:00","article_modified_time":"2026-01-09T08:01:47+00:00","og_image":[{"width":2560,"height":1441,"url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/akaun-3-kwsp-scaled.jpg","type":"image\/jpeg"}],"author":"Amir Asraf Lee","twitter_card":"summary_large_image","twitter_creator":"@IQIGlobal","twitter_site":"@IQIGlobal","twitter_misc":{"Written by":"Amir Asraf Lee","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iqiglobal.com\/blog\/guide-to-epf-account-3\/#article","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/guide-to-epf-account-3\/"},"author":{"name":"Amir Asraf Lee","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/e09b60d989ede33c5891f18d445480ef"},"headline":"EPF Account 3: Extra 5% in Your Account 1 + Withdraw Anytime from New Account 3! 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Should You Opt-In?"}]},{"@type":"WebSite","@id":"https:\/\/iqiglobal.com\/blog\/#website","url":"https:\/\/iqiglobal.com\/blog\/","name":"IQI Blog","description":"Your Source for Property Investment, Tips, and Career","publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/iqiglobal.com\/blog\/#organization","name":"IQI Global","url":"https:\/\/iqiglobal.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","width":480,"height":180,"caption":"IQI Global"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IqiGlobal","https:\/\/x.com\/IQIGlobal","https:\/\/www.instagram.com\/iqiglobal\/","https:\/\/tiktok.com\/@iqiglobal?lang=en","https:\/\/www.linkedin.com\/company\/iqi-group\/"]},{"@type":"Person","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/e09b60d989ede33c5891f18d445480ef","name":"Amir Asraf Lee","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/9d6bfceba0c12cd607cf3acab7d9addc6eb921d54c8fb3490d6c8b1cc6d71f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9d6bfceba0c12cd607cf3acab7d9addc6eb921d54c8fb3490d6c8b1cc6d71f28?s=96&d=mm&r=g","caption":"Amir Asraf Lee"},"description":"A SEO Strategist in IQI Global, 4 years experience in digital marketing and 2 years in writing\/proofread, content plan & SEO planning. Reach me out by social media below!","sameAs":["https:\/\/www.linkedin.com\/in\/amirasraflee\/"],"birthDate":"1998-05-15","gender":"Male","knowsAbout":["SEO & Email Marketing"],"knowsLanguage":["English","Bahasa Malaysia"],"jobTitle":"Senior Digital Marketing (SEO & Email Marketing)","url":"https:\/\/iqiglobal.com\/blog\/author\/amir-asraf-lee\/"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/akaun-3-kwsp-scaled.jpg","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/84024","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=84024"}],"version-history":[{"count":57,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/84024\/revisions"}],"predecessor-version":[{"id":122418,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/84024\/revisions\/122418"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/84168"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=84024"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=84024"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=84024"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

Account<\/strong><\/td>	Percentage<\/strong><\/td>	Description<\/strong><\/td>	Conditions<\/strong><\/td><\/tr>
Account 1 <\/strong>(Akaun Persaraan)<\/td>	75%<\/strong><\/td>	– Main account<\/strong> for your retirement – Can voluntarily make additional contributions<\/strong> to your family members’ EPF accounts<\/td>	– Money from this account can only be taken out upon retirement<\/strong> – If you have saved more than your Basic Savings for your current age, you can invest 30% of your excess savings<\/strong><\/td><\/tr>
Account 2<\/strong> (Akaun Sejahtera)<\/td>	15%<\/strong><\/td>	– Caters to various life cycle needs<\/strong><\/td>	Can only be withdrawn for purposes such as housing, education, and medical<\/strong><\/td><\/tr>
Account 3<\/strong> (Akaun Fleksibel)<\/td>	10%<\/strong><\/td>	– Enhance members’ income security<\/strong> while addressing their current life cycle needs<\/strong><\/td>	Savings in this account can be withdrawn at any time<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n 2. What is EPF Account 3, and how does it work?<\/h2>\n\n\n\n Account 3<\/strong>, also known as Akaun Fleksibel<\/strong>, is an alternative for individuals to manage their finances<\/strong> in light of the pandemic’s economic challenges.<\/p>\n\n\n\n Account 3 will start with a zero balance<\/strong>, and allows flexible withdrawals.<\/p>\n\n\n\n Which means, you can withdraw from Account 3 at any time<\/strong>, just like you do with MAE, CIMB Clicks or any savings account you have.<\/p>\n\n\n\n There is no limit to the amount of withdrawals you make, unlike Account 2, which you can only withdraw from for specific purposes.<\/p>\n\n\n\n \n<\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-will-having-account-3-affect-the-dividend-rates\">Will having Account 3 affect the dividend rates?<\/h3>\n\n\n\n<p>If you make a withdrawal, it will affect the dividend rate just like the <strong>previous system<\/strong>. <\/p>\n\n\n\n<p>Simply put: <strong>the more you withdraw, the lower the rate.<\/strong><\/p>\n\n\n\n<p>So, if you <strong>never take out any money<\/strong> from your Account 3 – even if you’ve chosen to enable it – it will <strong>not affect<\/strong> your dividend rate.<\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\"><a href=\"https:\/\/twitter.com\/ongmalimali?ref_src=twsrc%5Etfw\">@ongmalimali<\/a>.<br><br>Rest assured that the dividend for Account 3 (Flexible Account) will be the same as Account 1 (Retirement Account) and Account 2 (Wellbeing Account).<br><br>TQ.<br>-ZHS-<\/p>— KWSPMalaysia (@KWSPMalaysia) <a href=\"https:\/\/twitter.com\/KWSPMalaysia\/status\/1783392970118480290?ref_src=twsrc%5Etfw\">April 25, 2024<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-going-to-happen-to-the-savings-inside-my-existing-epf-accounts\">What is going to happen to the savings inside my existing EPF accounts?<\/h3>\n\n\n\n<p>In general, <strong>nothing<\/strong> is going to happen to them.<\/p>\n\n\n\n<p>This is because all of the existing savings inside your Account 1 and Account 2 will still be there while the new Account 3 will start at <strong>RM0<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"876\" height=\"555\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm.webp\" alt=\"\" class=\"wp-image-84146\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm.webp 876w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-300x190.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-768x487.webp 768w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-370x234.webp 370w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-865x548.webp 865w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-642x407.webp 642w\" sizes=\"(max-width: 876px) 100vw, 876px\" \/><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.kwsp.gov.my\/w\/epf-account-3-info\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">EPF Malaysia<\/mark><\/strong><\/a><\/figcaption><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-when-can-you-start-withdrawing-from-account-3\">When can you start withdrawing from Account 3?<\/h3>\n\n\n\n<p>If you opt in between <strong>May 11 and August 31<\/strong>, you can start <strong>withdrawing after May 13<\/strong>.<\/p>\n\n\n\n<p>The money will be <strong>credited into the third account<\/strong> with the option to withdraw after May 13.<\/p>\n\n\n\n<p>You can apply through the <strong>EPF app KWSP i-Akaun<\/strong> or the <strong>Self-Service Terminals<\/strong> at any EPF branches in Malaysia.<\/p>\n\n\n\n<p>It will take up to <strong>24 hours<\/strong> to transfer the funds from your other accounts into Account 3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-are-there-conditions-to-withdraw\">Are there conditions to withdraw?<\/h3>\n\n\n\n<p>There are <strong>no conditions<\/strong> to withdraw, but bear in mind that you can only withdraw a <strong>minimum of RM50<\/strong>. This can be done anytime.<\/p>\n\n\n\n<p>If you are a contributor <strong>aged 55 and below<\/strong>, you have until <strong>31 August<\/strong> to choose to enable Account 3 or not.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-how-to-transfer-from-epf-account-2-to-account-3\">3. How to transfer from EPF Account 2 to Account 3<\/h2>\n\n\n\n<p>Did you know you can <strong>move your savings<\/strong> in EPF Account 2 to your Account 3?<\/p>\n\n\n\n<p>It’s available as a <strong>one-time transfer<\/strong>. However, you <strong>cannot simply withdraw<\/strong> any amount you like – the amount will depend on the savings you have in <strong>Account 2<\/strong>.<\/p>\n\n\n\n<p><strong>Here’s how it works:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Amount in Account 2<\/strong><\/td><td><strong>Savings amount<\/strong><\/td><\/tr><tr><td>> RM3,000<\/td><td>– 1\/3 of your Account 2 savings goes to Account 3<br>-1\/6 of your Account 2 savings goes to Account 1<\/td><\/tr><tr><td>< RM3,000<\/td><td>All savings will go into Account 3<\/td><\/tr><tr><td>> RM1,000 but < RM3,000<\/td><td>– RM1,000 will be transferred to Account 3<br>– The rest remains in Account 2<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>You can apply for this one-off transfer through the <strong>KWSP i-Akaun app<\/strong>, or at <strong>Self-Service Terminals<\/strong> at any EPF branch nationwide.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-i-transfer-savings-from-epf-account-3-to-account-1-or-account-2\">Can I transfer savings from EPF Account 3 to Account 1 or Account 2?<\/h3>\n\n\n\n<p>If you’d like to <strong>save all of your EPF contributions<\/strong>, you have the option to move your savings from Account 3 to Account 2 and\/or Account 1.<\/p>\n\n\n\n<p>However, this is only a <strong>one-way transfer<\/strong>, and you cannot take back the money you have transferred.<\/p>\n\n\n\n<p>If you want to do so, you will have to <strong>visit an EPF branch<\/strong> and submit an application to perform the transfer.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Now the big question is….<\/mark><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-should-you-opt-in-to-account-3\">4. Should you opt in to Account 3?<\/h2>\n\n\n\n<p>It’s…. complicated. Let’s address a few issues that might arise:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-will-you-end-up-with-less-money-during-retirement\"><strong>Will you end up with less money during retirement?<\/strong><\/h3>\n\n\n\n<p>Something to remember is that the more you withdraw from your EPF, <strong>the less you’ll benefit from the compounding effect<\/strong> (a.k.a. the less savings you’ll have once you retire).<\/p>\n\n\n\n<p>Although you are receiving an <strong>additional 5%<\/strong> in your Account 1, opening an Account 3 means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>less money<\/strong> in your Account 2 (from 30% to 15%!)<\/li>\n\n\n\n<li>if you <strong>withdraw more<\/strong>, the EPF <strong>dividend rate will reduce<\/strong> in the long run<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-if-you-need-to-use-the-money-in-your-account-2\"><strong>What if you need to use the money in your Account 2?<\/strong><\/h3>\n\n\n\n<p>Another thing to keep in mind is, as mentioned – your Account 2 will have <strong>lesser contributions<\/strong>. Simply put, you have <strong>less money in your Account 2<\/strong> moving forward.<\/p>\n\n\n\n<p>Most people use their Account 2 savings for needs such as <strong>medication, home deposit and education<\/strong>. If you’re planning to use the money for that… <em>you’ll probably have less for it<\/em>.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>But, there is a way to use EPF Account 3 correctly…<\/strong><\/p>\n\n\n\n<p>Actually, you can be <strong>savvy<\/strong> about it (pun not intended). EPF consistently pays out a <strong>5% dividend,<\/strong> and if you park your other <strong>savings into Account 3<\/strong> just like you would with your regular savings account, <strong>you get even more<\/strong>!<\/p>\n\n\n\n<p>In the end, the choice lies in your hands. The <strong>CEO of EPF, Ahmad Zulqarnain<\/strong> advised <strong>against touching or limiting withdrawals<\/strong> as much as possible.<\/p>\n\n\n\n<p><strong>Sean Lee<\/strong>, IQI’s <strong>investment strategist<\/strong> gives you even further insights on whether or not to opt in to Account 3 in the latest <strong>Property Zone<\/strong> episode. <strong><em>It’s worth the watch:<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Property Zone 2024 \| EPF 3, What It Means For You?\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/__vZ5xzWuRY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>Will you opt in to Account 3?<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Looking for other ways to invest for your future? Property investment is the way to go! Get in touch with our professionals below and see how you can boost your savings with property.<\/mark><\/strong><\/p>\n\n\n\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady \|\| [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 5699703,\n\t\t\t\t\t\t\t\t\tformId: \"85ebae59-f425-419b-a59d-3531ad1df948\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1777069802000-8808122182\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1777069802000-8808122182\"><\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>Continue reading:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/withdraw-epf-account-2-buy-house\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">4 <\/mark><\/strong><\/a><a href=\"https:\/\/iqiglobal.com\/blog\/withdraw-epf-account-2-buy-house\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Steps to Withdraw from Your EPF’s Account 2 to Buy a House!<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/how-to-grow-your-epf-savings\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Want to Hit the RM500k Mark in Your EPF Savings by Age 55? Here’s Your Guid<\/mark><\/strong><\/a><a href=\"https:\/\/iqiglobal.com\/blog\/how-to-grow-your-epf-savings\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">e to It!<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/get-your-epf-statement-online\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Here’<\/mark><\/strong><\/a><a href=\"https:\/\/iqiglobal.com\/blog\/get-your-epf-statement-online\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">s How To Get Your EPF Statement Online!<\/mark><\/strong><\/a><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Version: CN, BM We’ve heard stories about EPF Account 3: yup, you can take out money from EPF anytime now. However, is it the right move? A method of ‘forced savings’, EPF is meant to give you a safety net after you retire. But what if you need some emergency funds now? The questions are…<\/p>\n","protected":false},"author":39,"featured_media":84168,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[220],"tags":[9717,10369,265],"class_list":["post-84024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-news","tag-9717","tag-epf","tag-investment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v26.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>EPF Account 3: Emergency Funds or Retirement Savings?<\/title>\n<meta name=\"description\" content=\"Deciding whether to open an EPF Account 3? 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