公积金户头重组 | 救济方案vs退休危机？ EPF第三账户 非紧急关头绝不碰？ - video Dailymotion

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▐ 全民来讲讲▐  EPF存款账户即将重组，你还会花“未来钱”，把存款领出来吗？  民众如何看待这个新设立的第三账户（灵活账户）呢？跟着《热点》的镜头，听听民众的想法！  热点主持｜@Celes 美伶  #公积金 #第三户口 #灵活账户 #退休 #KWSP #EPF #储蓄 #发射热点 #84hotspot #热点短视频 #全民来讲讲   更多新闻资讯看这里 ▹ https://xuan.com.my/hotspot

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00:00This is also a good thing.

00:01You don't have to worry about spending money all of a sudden.

00:03If you have money in your bank account, you don't have to worry about spending money.

00:05It's good.

00:06We didn't know that we can reach 55,000 RMB.

00:09YOLO.

00:10YOLO only.

00:11I don't have enough salary.

00:13My employee told me that

00:14if I don't want EPF,

00:16can you give me a salary?

00:17But you have to use the cash flow.

00:20The third account of EPF is about to be launched.

00:22Will you choose to withdraw the money?

00:24Is this an emergency plan or a retirement crisis?

00:27This is the third account of the new fund account reorganization plan

00:31that will be launched on May 11th.

00:32It is also the so-called flexible account.

00:34Provide more flexibility for EPF members.

00:36You can withdraw the money at any time to deal with emergencies.

00:40But the Hong Kong Fund is an important retirement savings agency for Malaysians.

00:43How do ordinary people view this plan?

00:46Will you choose to withdraw the money from the third account in the future?

00:49Without further ado, let's listen to what the people say.

00:52Is there a third account?

00:54Oh, I know that EPF has two accounts.

00:56The concept of EPF is for

00:58the future pension fund.

01:01But if there is a third account,

01:03it's not good to say that

01:04many people don't have money

01:06and will think of using the money in it.

01:08Will you overspend on these things?

01:10I think this thing is like this.

01:12I think it's a good initiative.

01:14I think oneself should allow for them to manage their own fund.

01:18Because we are pretty secure in account 1 already.

01:22Young people don't want to use EPF anymore.

01:25I have an employee who told me that

01:26I don't want to use EPF.

01:27Can you just give me my salary?

01:29They said that they don't have much confidence in the government.

01:31But young people also need to have a high cash flow to use it.

01:33Otherwise, their monthly expenses are not enough.

01:35Do you want to use EPF?

01:36I think there is a right to choose.

01:38That is, you have a choice to take or not to take.

01:41At least there is this choice.

01:43Compared to before, there is no choice.

01:44Good, of course.

01:46Because we don't know if we can reach the age of 55 or not.

01:49Account 2, as long as we can go in and out.

01:52No need to save.

01:56At this point, we can see that there are a lot of employees

02:00who may be suspended or may want to survive

02:03for their families and so on.

02:06So, when there is an initiative like this,

02:08it can give them an opportunity to survive.

02:11If it were me,

02:12because I have just bought a house,

02:15I might have to use a sum of money.

02:17Let's say, one day, an emergency happens,

02:20then we can use that money.

02:22But in the meantime, I think just going to put that as a saving.

02:24Everyone's savings.

02:25Maybe the third person will be helped in case he really needs it.

02:28If it were me, of course I wouldn't take it.

02:33Yes, I took it.

02:34I can save money.

02:35That period of time, it's enough.

02:37I didn't.

02:38The nature of my job is quite secure and stable.

02:42So, I was not impacted with financial difficulties.

02:45Nope.

02:46At that time, I worked in a previous company, not this current company.

02:50I was suddenly like, withhold.

02:52So, of course, with no salary or no pay,

02:56that would be a good initiative at that point to have the extra money.

03:00I took it.

03:01Because I took it, I couldn't do my job.

03:02It's to save for our family.

03:07So, did you pack up your luggage?

03:09It's not a top-up.

03:14It's always never enough, you know?

03:18We are a very consumeristic generation.

03:21We only think of ways when it's not enough.

03:23We only think of ways when it's not enough.

03:25I'm still very young.

03:26I don't know how many years I've been in the society.

03:29I haven't thought of this yet.

03:31But I think it's okay to work hard.

03:35It's not a problem.

03:35God willing, it's enough.

03:39If I were to work until 50, it should be okay.

03:42Hmm...

03:43If it were me, I wouldn't worry too much.

03:48The first one is already reserved until 55.

03:51No problem.

03:5275% is enough.

03:55And then, when you get older,

03:57your EPF contribution from the employer will become higher.

04:02And then, your salary will also increase.

04:03So, it's okay.

04:04As long as we work,

04:06and we have enough savings for EPF,

04:09I think it's not a problem.

04:12God willing, it's still enough.

04:14EPF, savings, maybe around 50%.

04:18That's it.

04:19That's all.

04:20Nothing else.

04:21I have other investments,

04:22but EPF is my biggest investment.

04:25No, I don't have any other investments.

04:26Everything is commitment.

04:28There's no ASV.

04:30Nothing.

04:31We only spend on commitment.

04:33YOLO.

04:34YOLO only.

04:35Because we don't have enough salary.

04:39There are other investments.

04:40After visiting the city area of Kuala Lumpur,

04:42I found that some people are not familiar with

04:44the account reset plan

04:45that the Public Fund Bureau is about to launch.

04:47But those who have EPF third account

04:49tend not to withdraw the money from the third account,

04:52unless they are in a very urgent need of money.

04:54Of course, I believe that this is also related to the economic ability of the people of this generation.

04:57Will you choose to use the savings of this account when watching this video?

05:01Will you choose to transfer the money from the second account to the third account?

05:04Or let it start from scratch?

05:05I think it's better to start from scratch.

05:07Will you choose to transfer the money from the second account to the third account?

公积金户头重组 | 救济方案vs退休危机？ EPF第三账户非紧急关头绝不碰？

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公积金户头重组 | 救济方案vs退休危机？ EPF第三账户 非紧急关头绝不碰？

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公积金户头重组 | 救济方案vs退休危机？ EPF第三账户非紧急关头绝不碰？