A Malaysian woman recently revealed her impressive journey of securing over RM1.9 million in EPF savings by the age of 35, sparking interest and debate online. In a viral Reddit post circulating on X, she shared key strategies behind her financial success, emphasizing a high-paying job (undisclosed), steadfast career growth, and disciplined saving practices.

“I never job-hopped. I’ve been with the same company since my graduation, and I got to where I am purely through promotions and salary increments,” she noted.


The woman explained that relying solely on employer and employee contributions wouldn’t have sufficed. She supplemented her EPF by making voluntary contributions up to the maximum annual limit of RM100,000. Importantly, she refrained from withdrawing any funds, even after her savings surpassed RM1 million.

Well, how she managed to have 1 million in her EPF account in 10 years of time?

One of the pivotal factors in her financial journey was compound interest. While it took a decade to reach her first RM1 million, the next three years saw her savings soar to nearly RM2 million, demonstrating how compounding accelerated her wealth growth. In 2023 alone, she received RM80,000 in dividends, with her total annual increase, factoring in voluntary contributions, amounting to approximately RM400,000.

The story has drawn mixed reactions. While some believe her success was aided by connections and her position, others commended her loyalty to her company and strategic use of voluntary EPF contributions. Her story serves as both an inspiration and a lesson in the power of long-term saving and financial discipline.


Source / Image Credit : The Rakyat Post , Uncle Cato