WHILE grateful at having the Employees Provident Fund’s (EPF) Flexible Account, members say they rather keep the money than use it.

Electrical store manager Jenny Chin said although only 10% of the total contributions were allocated to Account 3, it will definitely grow in the future.

“The most important thing for private sector workers like us is to see our savings in EPF growing over time,” she said.

Chin, 41, said she had withdrawn RM700 from Account 3 earlier this year for Chinese New Year and vowed not to withdraw anymore from the account.

She hopes to retire comfortably 14 years from now.

“Hopefully, the EPF will be able to maintain the 6.30% dividend payout like what it did for 2024 or even better in years to come,” added Chin.

Authority liaison executive Ahmad Liwauddin Mardi, 37, said he would not make any more withdrawals from Account 3, unless for emergencies.

“I have already withdrawn from the account when it was introduced in May 2024, to buy some household items,” he said.

Ahmad said while the Flexible Account was really helpful in time of need, he would be more careful in the future and only withdraw savings from the account when the need arose.