▐ 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
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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NewsTranscript
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?
05:09Or let it start from scratch?
05:11Welcome to leave a message below.
05:12We'd like to hear what you think.
05:13If you like this series of videos,
05:16remember to like and share it.