Since Malaysians were granted early access to their retirement savings to get through the Covid-19 pandemic, close to 6 million people have made a withdrawal from their EPF accounts. This has brought to the fore the long-standing concern that many will have too little to survive on in old age. But how serious is the situation and can policy mitigate the consequences of this financial vulnerability? Melisa Idris and Sharaad Kuttan speak to Nurhisham Hussein, Chief Strategy Officer at the Employees’ Provident Fund.