The Employees Provident Fund (EPF) is a scheme that ensures “savings for one’s old age” and has, to a great extent, enabled the rakyat to retire from their jobs with some peace of mind when the time comes. It is a highly benevolent scheme where the rakyat and their employers both contibute to its success. The government of the day, as trustee, must ensure its continuity and grow the fund with utter care for the long-term benefit of the rakyat.