Path to 60
This year’s money in (year 1)
Year-by-year (base)
| Age | Salary / mo | EPF in | Inv in | EPF bal | Invested | Total |
|---|
How to read this
Net worth here = EPF + invested capital (ASB / unit trust / cash / brokerage) + future contributions + optional other assets. It is not a full household balance sheet unless you set “other net assets” to house equity, cars, cash outside brokers, minus debts.
Model. Monthly compounding. Salary grows once a year. Bonus once a year (pro-rated in a stub final year). New money hits EPF and the investment bucket at month-end. No tax drag modelled on EPF; ASB and unit-trust gains are treated as pre-tax compounding — slightly optimistic for taxable sleeves.
Starting mix. A typical 30-year-old’s outside-EPF money is ASB, a cash fund, or a small unit trust — not a brokerage book. Base return of 6% nominal is a blended ASB + equity mid case, not a promise. Bear/bull only shock returns, not unemployment or a forced sale.
EPF rules used. Employee 11% (slider), employer 13% (slider; statutory 13% at wages ≤ RM 5,000 and 12% above). No salary ceiling. Bonus is EPF-liable. Rates hold until 60; the age-60 statutory cut to 0%/4% is after the finish line.
Sources baked into the defaults
DOSM Employee Wages Statistics (Formal Sector) Q4 2025: median monthly wage ages 30–34 was RM 3,382 in December 2025 (rounded to RM 3,400). National formal-sector median was RM 3,167. KWSP Third Schedule: employee 11%, employer 13% / 12%. MEF 2025 salary survey: non-executive bonus ≈ 1.96 months, executive ≈ 2.17 months — default 2.0 months. EPF age-band savings (latest comprehensive, Dec 2023): median 30–34 ≈ RM 18,000, mean ≈ RM 35,390; default EPF RM 20,000 is the typical (median) worker in 2026, below the RIA Basic target of RM 38,000 at 30. EPF 2025 dividend 6.15% (announced Feb 2026). Monthly investing RM 200 is a modest ~6% of gross on top of EPF, not the national average (many save nothing extra).