Please refer Schedule EPF Account 1 (Basic Saving) above. If you are at the age 22 and have RM12,000 in your Account 1, your withdrawal amount is:
Total Saving in Account 1 >> RM12,000
Less : Basic Saving in Account 1 >> -RM5,000
Excess Amount >> RM7,000
Investable Amount (20% x 7,000) >> RM1,400
The subsequent withdrawal can be made after 3 month from the last withdrawal. Your saving in Account 1 is now reduced to RM10,600 (RM12,000 - RM1,400) after this withdrawal. Your next withdrawal amount is:
Total Saving in Account 1 (RM12,000 - RM1,400) >> RM10,600
Less : Basic Saving in Account 1 >> -RM5,000
Excess Amount >> RM5,600
Investable Amount (20% x 5,600) >> RM1,120
**Assuming no future contributions
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