Ignoring inflation, delaying investments, relying solely on EPF, and underestimating healthcare costs are common retirement planning mistakes that can jeopardise long-term financial freedom.

Many individuals reach their forties and fifties without a clear understanding of how much money they will actually need after they stop working, delaying investments reduces the power of compounding, and the current EPF interest rate for FY 2025-26 is 8.25% p.a., unchanged from the previous year.