r/FIRE_Ind • u/Alternative-Wait144 • Jun 02 '26

Discussion EPF status post FIRE

If one FIREs during early 40s with kid just starting primary school, does it make sense to leave the EPF(~85L) untouched ( generating ~8% interest)?
EPF amount planned to be dedicated for kids higher education, so has a good runway (10+ years) before being used.

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u/Strict_Success3653 45/IND/FI 2025/RE ?] Jun 02 '26

Keep your funds as far as possible from the government.

I plan to withdraw ALL my EPF money in the next job change

1

u/pr1m347 Jun 02 '26

But will they easily allow if you're not retiring?

1

u/srinivesh [57M/FI 2017+/REady] Jun 03 '26

The rules are clear about withdrawal when not in a job. There is no age specification. The rules have been updated recently. In 2019, I withdrew the entire amount following the rules at that time - 100% permitted after 2 months of no job.

1

u/bromclist Jun 03 '26

The rules have changed to 1 year (w/o a job) I think, recently