The Employees Provident Fund (EPF) is Malaysia’s national private-sector pension program. It has grown into one of the largest pension funds in the world. The success of the EPF and Malaysia as a whole have brought new challenges. As life expectancy increases and the population ages, how can the EPF ensure adequate pension coverage and take care of Malaysians’ increasing retirement needs? As technology replaces the need for branches and customer-facing staff, how and where should the EPF channel its valuable human resources? How should the EPF optimally invest its ever-increasing funds? These are the questions the EPF’s chief strategy officer has to answer as he charts a way forward in the 21st century.
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