The EPF has been constantly in the news since the pandemic hit in 2020 - from the various special Covid-19 withdrawal schemes to proposals to allow members to use their savings as collateral for loans. More recently, a workers’ union group wants employers’ EPF contribution increased from 13% to 20%; and PM Datuk Seri Anwar Ibrahim wants the fund to increase its domestic investments from the current 64% to 70%. Independent business writer P Gunasegaram unpacks what all these mean.

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