Nabil Luqman

0f9d2dd4f71434084e2b6094de1865e23abb37bb9f28ca51feeabee679ec9be2

Money

99Speedmart

salary

clarification

wages

staff benefit

company structure

Just a few days ago, Lee Thiam Wah, founder of 99 Speedmart, saw his fortune grow by an additional RM2 billion after successfully listing 99 Speedmart Retail Holdings Bhd at RM1.65 per share, solidifying his position as one of Malaysia&rsquo;s billionaires.
However, the success of the chain has sparked online discussions, with one netizen highlighting concerns over employees being underpaid despite working long hours. Reactions were mixed, with some defending the company, claiming that employee wages reflect the nature of their work, though offering limited career growth. Others, however, pointed out that the pay doesn't justify the long hours, with allegations that staff are not compensated for overtime or provided additional benefits.
99 Speedmart Defends &amp; Explains Company Compensation Structure
<img src="https://r2.myc.my/8ccefef4b9b7810f0d0a9ebcf1510f8ee1220fdf674c8efb7be15a47c6d56976" width="582" height="582" />
In a statement reported by NST, 99 Speedmart's Chief Operating Officer, Yong Eng Kwang, acknowledged that the minimarket sector operates under unique challenges and conditions.
He emphasized that the company fully complies with the Employment (Amendment) Act 2022, noting that as Malaysia&rsquo;s largest minimarket chain, 99 Speedmart ensures its wages meet legal standards. Yong also pointed out that wage comparisons with other industries should account for these differences.
Assuring compliance, he stated that 99 Speedmart adheres to the national minimum wage of RM1,500 per month, with the company actually paying above this amount. His remarks were in response to the viral controversy surrounding wage fairness and employee satisfaction, which gained attention after the founder&rsquo;s rise to billionaire status. The controversy included claims that a branch manager's average salary is RM2,387 per month.
Read: <a href="https://myc.my/articles/3783/netizens-debate-99-speedmart-branch-manager-wages-being-low-despite-their-boss-being-one-of-malaysias-billionaires">Netizens Debate 99 Speedmart Branch Manager Wages Being Low Despite Their Boss Being One Of Malaysia&rsquo;s Billionaires</a>
<img src="https://r2.myc.my/ebade072bb0397227f9664f8f1f79934a5ffdb93fe0ab2e9f1530e58a6710fdb" alt="" width="852" height="296" />
Yong clarified that, beyond the basic salary, 99 Speedmart provides employees with a comprehensive benefits package. This includes annual salary increases, year-end bonuses, access to panel clinics with reimbursable medical visits, career development and training opportunities, a free SIM card with 40GB of data and unlimited calls, as well as complimentary food vouchers.
Regarding working hours, he explained that stores operate from 10 a.m. to 10 p.m. and dismissed claims about the absence of overtime pay, affirming that staff are compensated according to agreements made between the employees and the company.
These are the overtime rates of employees:
&nbsp;
<ul>
<li>Normal Day (1.5x of their rate)</li>
<li>Rest Day (2x of their rate)</li>
<li>General Leave (3x of their rate)</li>
</ul>
&nbsp;
Yong explained that all employees are entitled to annual leave based on their years of service, as well as maternity, paternity, and Haj leaves, in accordance with legal guidelines. Additionally, they receive the standard EPF and SOCSO benefits. New mothers are granted the statutory 98 days of maternity leave, while fathers receive between 1 and 7 days of paternity leave, depending on their length of employment.
Addressing the online post about wages, Yong clarified that the quoted figures were from 2020 and do not reflect the current pay structure. He emphasized that long-serving branch managers now earn over RM4,000 per month, demonstrating the company&rsquo;s commitment to fair compensation for its employees' dedication and hard work.
&ldquo;We also understand the financial pressures many people are under these days, which is why we work tirelessly to keep our prices low, ensuring that essential goods remain affordable for everyone,&rdquo; Yong concluded.
Netizens Shared Their Thoughts On The Previous Post
In response to our previous post, many netizens shared their opinions on the pay situation in the comments section. While we agree that it's not fair to directly compare corporate salaries to those in the minimarket sector, the discussion has been eye-opening. Some netizens also raised an interesting point about implementing a balanced hiring ratio, suggesting that we should consider a better balance between hiring Malaysians and foreign workers, as seen in countries like Singapore.
Here's some of the comments:
<img src="https://r2.myc.my/faf4da4f7c934ad5e5c5d95a8e20b83ba5432bc7fd4f1d8b618c4574db494070" />
In light of everything, one common hope among Malaysians is for a lower cost of living. It&rsquo;s not that most of us are asking for high salaries; we&rsquo;re simply seeking fair compensation that reflects the current economic reality.
That being said, we do appreciate 99 Speedmart's efforts to keep prices affordable, ensuring that essential goods remain accessible to all Malaysians. We hope people will continue supporting the minimart, and it's important to remember that earning an honest living is always better than not earning anything at all.
What are your thoughts on this? Let us know in the comments.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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&nbsp;

The viral post quoted salaries from 2020 and does not reflect the updated pay structure and additional benefits currently provided.

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99 Speedmart COO Addresses Viral Salary Controversy; Confirms Some Managers Now Earn Over RM4K

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AXE MLBB

Apple has unveiled a new MacBook Pro range that brings touchscreen support to its laptops for the first time, alongside tandem OLED displays, the M5 Pro and M5 Max chips, and a thinner, lighter design. Called the MacBook Pro with PROLED XDR Display, the new models come in 14-inch and 16-inch sizes and will be sold alongside the existing MacBook Pro models with Liquid Retina XDR mini-LED displays.
In Malaysia, prices start at RM11,999 for the 14-inch model and RM14,499 for the 16-inch version. Pre-orders are scheduled to open at 9am on 30 October 2026, with sales and deliveries beginning on 6 November.
MacBook Pro PROLED XDR Malaysia Pricing
<img src="https://r2.myc.my/823e5f689e4b4efe975f6f291556b82495717637eff6d3a43ed5b2c7d1dd6e76" />
The new range offers two chip options, with the M5 Pro aimed at demanding everyday professional workloads and the M5 Max intended for more intensive creative and computing tasks. Malaysian starting prices are:
<ul>
<li>14-inch MacBook Pro with M5 Pro: RM11,999</li>
<li>14-inch MacBook Pro with M5 Max: RM19,299</li>
<li>16-inch MacBook Pro with M5 Pro: RM14,499</li>
<li>16-inch MacBook Pro with M5 Max: RM20,499</li>
</ul>
Education pricing is available for eligible buyers, starting at RM11,399 for the 14-inch M5 Pro model and RM13,599 for the 16-inch M5 Pro. The M5 Max versions start at RM17,999 and RM19,099 respectively under education pricing.
For comparison, the existing mini-LED MacBook Pro range starts at RM10,299 for the 14-inch M5 Pro and RM12,499 for the 16-inch M5 Pro. The M5 Max configurations start at RM15,599 and RM18,499 respectively. Based on these starting prices, the new touchscreen models cost RM1,700 more for the 14-inch M5 Pro and RM2,000 more for the 16-inch M5 Pro.
At the top end, a fully configured 16-inch model with an M5 Max chip, 128GB of unified memory, 16TB of SSD storage and nano-texture glass costs RM64,174 in Malaysia.
First MacBook With Touchscreen Support
<img src="https://r2.myc.my/2577bd21f05d396befe42aa18a284b5a0aa94834c9e344cea09abd50b7c62806" />
The biggest change is the new PROLED XDR display, which uses tandem OLED technology instead of the mini-LED panels in existing models. Apple says it delivers a contrast ratio of 10,000,000:1 and peak brightness of up to 2,000 nits for HDR and SDR content. ProMotion supports adaptive refresh rates from 10Hz to 120Hz, while support for P3 and Adobe RGB colour spaces is designed to benefit photographers, video editors and other professionals working with colour-sensitive material.
Users can tap, swipe, pinch to zoom, drag and drop items directly on the display while continuing to use the keyboard and trackpad. The touch sensor is integrated into the panel to reduce input delay, and Apple has redesigned the hinge to make the screen more stable when users touch it. Apple has not announced Apple Pencil support.
Dynamic Island also comes to the MacBook Pro, replacing the familiar notch with an interactive area for notifications, music controls, calls and Live Activities. The display has an optional nano-texture finish designed to reduce glare in bright environments.
Thinner Design, More Storage and Familiar Ports
<img src="https://r2.myc.my/68cd5786be469b70fdb36bd800403563296bd77f8925df098a6e3a4f9d47655c" />
The redesigned chassis is both thinner and lighter. The 14-inch model weighs around 1.36kg, compared with 1.60kg for its mini-LED counterpart, while the 16-inch model weighs about 1.81kg, down from 2.14kg. Apple has also brought back the illuminated Apple logo on the lid, a feature last seen on older MacBook designs before it was dropped in 2016.
Battery life is rated at up to 22 hours for the 14-inch model and up to 24 hours for the 16-inch version. Fast charging can take the battery from zero to 50% in around 30 minutes. Storage can now be configured up to 16TB, double the 8TB maximum on the existing range, while unified memory goes up to 128GB.
Connectivity includes three Thunderbolt 5 ports, HDMI, an SDXC card slot, MagSafe charging and a 3.5mm headphone jack. Wireless features include Wi-Fi 7 and Bluetooth 6. The M5 Pro model supports up to three external displays, while M5 Max configurations can connect up to four.
Other features include a 12MP Center Stage camera, studio-quality microphones and a six-speaker sound system with redesigned woofers that Apple says deliver 50% deeper bass. The new laptops run macOS 27.
Is the Touchscreen Worth the Premium?
The new MacBook Pro is designed for users who want touchscreen interaction alongside traditional laptop controls, a high-end OLED display and expanded storage options. However, the existing mini-LED models remain available at lower starting prices, with similar chip options and battery life.
For Malaysian buyers, the decision largely comes down to whether the touchscreen, OLED panel and lighter design justify paying more. Those who mainly work with a keyboard and trackpad may prefer to save the difference, while creative professionals could find the display and direct touch controls useful for their workflow.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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RM64,174 for a MacBook Pro? You could buy a car with that money.

0e4e5b7025850fdef0005fc2ce360b2a820c2d805de17cc97798f83b4737ef42

Apple Launches Touchscreen MacBook Pro in Malaysia, Prices Start at RM11,999

Malaysians travelling to mainland China, Hong Kong, South Korea, the Philippines and Laos can now make QR payments at participating merchants using supported Malaysian mobile banking apps. The new service, launched by Payments Network Malaysia Sdn Bhd (PayNet) through Ant International&rsquo;s Alipay+ platform, means travellers can pay directly through their existing banking app without downloading another application or signing up for an Alipay+ account.
At launch, the service is available through Maybank, CIMB and Hong Leong Bank, while Bank Islam is expected to join soon. PayNet says the service will be expanded progressively to more overseas destinations and may also be adopted by other participating banks and e-wallet providers.
How to Make Overseas DuitNow QR Payments
&nbsp;<img src="https://r2.myc.my/30170fa6e415fd999a95e15491af4230ba9c3ccc927be721add18b9ef64031b6" />
The payment process is intended to be as straightforward as using DuitNow QR at home. At a participating business displaying the Alipay+ logo, customers open the QR payment function in their Malaysian banking app and scan the merchant&rsquo;s QR code. They can then review the transaction details and confirm the payment within the same app.
Travellers do not need to download a separate app or create an Alipay+ account. However, the service currently works by customers scanning the merchant&rsquo;s QR code; it does not support the reverse arrangement in which a merchant scans a QR code displayed on the customer&rsquo;s phone. Users should check that their bank supports the feature and look for the Alipay+ logo before attempting to pay.
PayNet Extends Its Partnership with Alipay+
<img src="https://r2.myc.my/9de99645e04606afb9b28a599a7a1d7aa6b40ba995b7ded0d878e955315234cd" />
The launch builds on an existing partnership between PayNet and Ant International. Since November 2023, travellers using supported Alipay+ partner wallets have been able to pay at DuitNow QR merchants in Malaysia. That arrangement has helped local businesses, including small and medium-sized enterprises, accept payments from international visitors using participating overseas wallets.
The new outbound service extends the connection in the other direction, enabling customers of participating Malaysian banks to pay at Alipay+-supported merchants abroad. Rather than requiring travellers to learn a new payment system or register for another digital wallet, the feature uses the banking apps they already have.
PayNet chief executive officer Praveen Rajan said cross-border payments should feel as familiar as paying at home. He added that collaboration between financial institutions and international payment partners can extend Malaysia&rsquo;s national payment infrastructure beyond its borders, make spending across borders easier and strengthen the country&rsquo;s economic links with the region.
The initiative also aligns with Bank Negara Malaysia&rsquo;s broader vision for cross-border payments that are faster, more efficient and inclusive.
Cross-Border QR Payments Continue to Grow
<img src="https://r2.myc.my/2a9c025e437b8b59c5c1d4c273be1ee3f5c1d15506c38c1f81a8cd26421b9a70" />
The expansion comes amid a sharp rise in cross-border payment activity. PayNet recorded nearly 30 million cross-border transactions in 2025, approximately 150% more than in 2024. Transactions linked to mainland China accounted for much of that growth, according to the company.
Alipay+ connects more than two billion user accounts through over 50 international payment partners, with more than 150 million merchants across over 210 markets, according to Ant International. The network gives connected payment services a wider reach, although the new DuitNow QR feature is only available at participating merchants in the five destinations announced at launch.
DuitNow QR is already interoperable with payment schemes in Singapore, Thailand, Indonesia and Cambodia, allowing participating users to make cross-border payments in those markets. The latest Alipay+ launch is a separate expansion that brings outbound access through supported Malaysian banking apps to the five newly announced destinations.
PayNet will continue working with financial institutions and regional partners to bring the service to more apps and markets. Other PayNet-participating banks and e-wallet providers can also adopt the outbound QR capability, potentially allowing more Malaysians to make overseas payments through services they already use.
For travellers, the main benefit is convenience: in supported destinations, eligible users can pay by scanning a participating merchant&rsquo;s QR code through their Malaysian banking app. Before travelling, customers should confirm availability with their bank and remember that acceptance depends on the merchant displaying the Alipay+ logo.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Cashless travel just got easier for Malaysians.

409518d772e9cbd0393d4e339807d6b18ab08d18b18719241077579bfd085722

Malaysians Can Now Use DuitNow QR To Pay In Five Overseas Destinations

The High Court has ordered a Threads user who was sued for defamation by Malaysian fashion entrepreneur Christy Ng to publish a public apology in two newspapers within four working days, after he told the court that he could not afford the publication costs.
Judge Arziah Mohamed Apandi directed J Vikneshvra Rau, 36, who operates the Threads account &ldquo;archnionverse&rdquo;, to publish an unconditional apology in English-language newspaper The Star and Malay-language newspaper Harian Metro. The wording must be acceptable to Ng and her company, Christy Ng Sdn Bhd.
The order was issued during committal proceedings over Rau&rsquo;s failure to comply with an earlier court direction. However, the judge declined to find that he had deliberately disobeyed the order, saying his explanation about his financial circumstances had merit.
What Happened in the Christy Ng Defamation Case?
&nbsp;<img src="https://r2.myc.my/62c2947f9dc637a083bbef1160ef85bb99574fa17cc500d32a2e876990fdf3b7" />
The dispute began after Rau allegedly published defamatory statements about Ng&rsquo;s business practices on Threads in November 2025. Ng and her company subsequently filed a civil suit against him on 25 November 2025, arguing that the statements had harmed their reputation.
On 13 February 2026, the High Court entered a judgment in default of appearance against Rau after he failed to appear in the proceedings. The court issued an injunction preventing him from publishing further defamatory statements and ordered him to issue a full-page, unconditional public apology in newspapers selected by Ng, as well as on his social media account.
Rau later published an apology on Threads on 19 March 2026. However, he did not publish the apology in the newspapers as required by the court order.
On 25 June, the High Court awarded total damages of RM180,000 to Ng and her company. Of this amount, RM140,000 was awarded to Ng personally, while RM40,000 went to Christy Ng Sdn Bhd. The court also ordered interest and legal costs, with RM10,000 in legal costs reported separately.
After Rau failed to fulfil the newspaper apology requirement, Ng and her company sought permission to initiate committal proceedings against him. The court granted permission on 15 September. Rau was scheduled to attend a hearing on 19 October but failed to appear, leading to further proceedings over his non-compliance.
<blockquote id="ig-tp-Dbk5C9ygqCy" class="text-post-media" style="background: #FFF; border-radius: 16px; max-width: 650px; margin: 1px; min-width: 270px; padding: 0; width: calc(100% - 2px); border: 1px solid #00000026;" data-text-post-permalink="https://www.threads.com/@christyemilylove/post/Dbk5C9ygqCy" data-text-post-version="0">
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<div style="display: block; height: 32px; width: 32px; padding-bottom: 20px;">&nbsp;</div>
<div style="font-size: 15px; line-height: 21px; color: #000000; font-weight: 600;">View on Threads</div>
</div>
</blockquote>

<script async="" src="https://www.threads.com/embed.js"></script>

Rau Says He Cannot Afford the Newspaper Apology
<img src="https://r2.myc.my/b75519fe95bcfde98531bd09af608633a8c8b050289267e60a8e4c87f7c27b63" />
During the latest hearing, Rau told the court that he was willing to comply with the order but lacked the money to pay for the newspaper publication.
He explained that he was self-employed and earned money through resume-writing services, charging between RM150 and RM300 per job. According to his testimony, the income was only enough to cover basic expenses, including food and bills.
Rau told the court that his last recorded sale was on 13 October and that he had earned no income since then. He said he had only RM50 left in his Touch &rsquo;n Go eWallet, while his car loan and home loan repayments were more than four months overdue.
He also expressed concern that his home could be auctioned if he failed to keep up with the repayments. When questioned about his support network, Rau said his family had distanced themselves from him, his wife had left, and he no longer had friends he could rely on for assistance.
&ldquo;I have no income but I am willing to comply,&rdquo; he told the court, explaining that he did not have the means to pay for the newspaper apology.
However, Ng&rsquo;s lawyer, Foong Cheng Leong, challenged Rau&rsquo;s explanation. He argued that Rau had failed to comply with the court order and allegedly continued to mock Ng and publish false statements about her on social media.
Foong also pointed out that Rau had not filed an affidavit or supporting documents to substantiate his financial difficulties. He further said the RM180,000 damages awarded by the court had yet to be paid.
Court Gives Four Days to Publish the Apology
&nbsp;<img src="https://r2.myc.my/551748b1fc16b159e8462a5cca997929b2ca9e3da102a50fb33246b510d42a24" />
After hearing the parties, Judge Arziah said Rau had provided a detailed account of his financial commitments and that there was merit in his explanation.
The judge ruled that the plaintiffs had not proved beyond reasonable doubt that Rau&rsquo;s failure to comply amounted to deliberate contempt of court. She considered his non-compliance to have arisen from his financial circumstances and personal difficulties rather than an intentional refusal to obey the order.
Nevertheless, the original requirement to publish a public apology remains in force. Rau was ordered to prepare the statement immediately and publish it in The Star and Harian Metro within four working days, no later than 31 October. The wording must satisfy Ng and her company.
<blockquote id="ig-tp-DevQhCUgoqX" class="text-post-media" style="background: #FFF; border-radius: 16px; max-width: 650px; margin: 1px; min-width: 270px; padding: 0; width: calc(100% - 2px); border: 1px solid #00000026;" data-text-post-permalink="https://www.threads.com/@christyemilylove/post/DevQhCUgoqX" data-text-post-version="0">
<div style="padding: 40px; display: flex; flex-direction: column; align-items: center;">
<div style="display: block; height: 32px; width: 32px; padding-bottom: 20px;">&nbsp;</div>
<div style="font-size: 15px; line-height: 21px; color: #000000; font-weight: 600;">View on Threads</div>
</div>
</blockquote>

<script async="" src="https://www.threads.com/embed.js"></script>

To address his inability to pay upfront, the court directed Ng to arrange and advance the publication costs. Rau must reimburse her once the amount is communicated to him. If he cannot pay, the publication costs will be added to the sums already ordered by the court.
The judge warned that Rau must return to court on 2 November if the apology is not published by the deadline. Further directions could include imprisonment or a fine.
Who Is Christy Ng?
<img src="https://r2.myc.my/f49bd19113d5e6c904998475f1ee40df9b10ac93b4e44762bcea2102be2c0561" />
Christy Ng, whose full name is Christina Mei Mei Ng, is a Malaysian fashion entrepreneur and the founder of Christy Ng Sdn Bhd. She is known for building a fashion business and establishing a public profile through her entrepreneurial work and social media presence.
Ng has said the legal action concerns more than her personal reputation, pointing to the potential impact on her company and its employees. In previous comments, she said the disputed statements had reached international clients, including those in Indonesia and the Philippines, and had caused distress to her parents. She has framed the case as a responsibility to protect the business and the livelihoods of the people who depend on it.
The latest court order means Rau must still fulfil the newspaper apology requirement, despite the judge accepting that his financial difficulties may explain his earlier failure to comply. The case also highlights the importance of complying with court orders arising from online defamation disputes, even when the parties face difficult personal or financial circumstances.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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What you say online can have real-life consequences. One social media post could end up costing you more than you ever expected.

cb9c930bf8aab3e0e823c8b4ba7216fd8f6b3e79e7445abf1457d2b338d910aa

Threads User Told to Apologise To Christy Ng In Newspapers Despite Claiming Financial Hardship

Malaysia&rsquo;s iconic Petronas Twin Towers have become an unexpected source of inspiration in India, where a spectacular replica resembling the Kuala Lumpur landmark has captured attention online.
The structure was created for the annual Durga Puja celebrations, a major Hindu festival dedicated to the goddess Durga. Featuring elaborate decorations, colourful LED lighting and intricate architectural details, the temporary pavilion recreates the appearance of the world-famous Malaysian skyscrapers.
Reports on the festival in Kalyanpur, Munger district, Bihar, put the construction budget at around 3 crore rupees, equivalent to approximately RM1.29 million based on an exchange rate of RM0.043 per rupee.
The project highlights how Malaysia&rsquo;s best-known architectural landmark continues to attract international recognition, even becoming the centrepiece of a religious and cultural celebration thousands of kilometres away.
A Mini KLCC Built for a Religious Celebration
<img src="https://r2.myc.my/c02301dcfd927853de46dc9ee5cefb7889f19ad95345d3d521532ff2380cce8d" />
The Petronas Twin Towers-inspired structure was selected as the main theme for this year&rsquo;s Durga Puja celebrations in Kalyanpur.
Rather than being a permanent skyscraper, the replica forms part of a temporary festival pavilion, commonly known as a pandal, built to accommodate religious ceremonies and welcome visitors throughout the festivities.
The elaborate design features decorative entrances, glass artwork, modern lighting systems and laser displays. Visitors are greeted by an artificial waterfall at the main entrance, adding to the spectacle before they enter the main area.
A special section inspired by a Victorian-style house has also been incorporated into the design, with a designated space for worship associated with Lord Shiva.
To bring the ambitious concept to life, skilled workers from West Bengal and Jharkhand were reportedly brought in to construct the main structure. Artists specialising in glass decoration from Delhi and Uttar Pradesh were also involved in creating the intricate details.
The result combines the recognisable silhouette of Malaysia&rsquo;s twin towers with traditional religious elements and contemporary visual effects.
A 52-Metre Structure Made From Temporary Materials
&nbsp;<img src="https://r2.myc.my/ec6f9204442c1f8632900b6a5ad843148410483d8bcd145567e646dbf7606bdc" />
Separate viral reports have also described a Petronas Twin Towers lookalike known as the Kalyanpur Twin Tower, measuring approximately 170 feet (52 metres) tall and 150 feet (46 metres) wide.
According to those reports, around 70 workers helped build the structure, which was assembled using temporary materials rather than the concrete and steel associated with permanent skyscrapers.
Bamboo, wooden poles, plywood, fabric, ropes and polystyrene sheets, also known as thermocol, were used to recreate the distinctive shape and tiered appearance of the original towers.
LED lighting was installed across the structure, illuminating its exterior after dark and making it particularly striking in photographs and videos shared on social media.
Although the details reported for the different structures vary, the designs demonstrate the considerable effort involved in recreating an internationally recognised landmark using temporary festival construction techniques.
Durga Puja Tradition Spanning More Than 363 Years
<img src="https://r2.myc.my/059ee41b731e8609e6e9bf06bb3d39bd1eb58aea7134d4225f06d9eb216fd25c" />
Beyond the architectural spectacle, the Durga Puja celebrations in Kalyanpur are rooted in a tradition reportedly dating back more than 363 years.
The annual event remains an important occasion for the local community, bringing together worshippers and visitors from neighbouring areas.
Organisers expect more than 100,000 devotees and visitors to attend this year's celebrations, with people travelling from districts including Bhagalpur, Banka, Khagaria, Jamui, Lakhisarai, Begusarai and Purnia.
Dr Nitish Dubey, managing director of Hariom Homeo and a homeopathic practitioner, expressed appreciation for the community's continued support in organising the festival.
The celebrations are not limited to religious ceremonies. Visitors can also look forward to cultural performances featuring well-known regional entertainers, including Bhojpuri singer Pawan Singh, singer Kalpana Patowary and folk singer Bharat Sharma.
With large crowds expected, organisers have arranged four designated exits to help manage visitor movement. Local residents and members of the Kalyanpur Youth Club are also assisting with crowd management and safety throughout the event.
From Hawa Mahal and the Meenakshi Amman Temple to the Petronas Twin Towers
<img src="https://r2.myc.my/3a154ff6a5970e686bf0446f07d72d6ba0b3063c952fc69587b43a216d4794f6" />
The Malaysian-inspired design continues a tradition of recreating famous architectural landmarks that has become a major feature of the festival in recent years.
Since 2021, organisers have selected increasingly ambitious themes, with reported construction budgets rising alongside the scale of the projects.
Previous designs include Hawa Mahal in Jaipur in 2021, followed by a Taj Hotel-inspired structure in 2022 and the Meenakshi Amman Temple in Tamil Nadu in 2023.
The festival then looked beyond India, featuring a Burj Khalifa-inspired design in 2024 and a Wat Arun-inspired structure based on the Bangkok landmark in 2025.
For 2026, the Petronas Twin Towers were chosen as the central inspiration, with the reported budget reaching 3 crore rupees, or approximately RM1.29 million.
This progression reflects the organisers' ambition to create increasingly elaborate attractions while giving visitors a different architectural theme to experience each year.
Malaysia's Iconic Landmark Captures International Attention
The replica has attracted attention on social media, with users expressing surprise at seeing a structure resembling the Petronas Twin Towers outside Malaysia.
Some welcomed the recognition of the country's best-known landmark, while others joked that the resemblance was so convincing that people might mistake the temporary pavilion for the real KLCC.
Beyond the online reactions, the project demonstrates how recognisable architecture can cross national and cultural boundaries. A landmark associated with Malaysia's modern identity has been reinterpreted as part of a longstanding Indian religious celebration.
While the replica is temporary and differs considerably from the original towers in construction and purpose, its elaborate design has given the Petronas Twin Towers another international spotlight.
For visitors attending Durga Puja, the structure offers more than a photo opportunity. It forms part of a celebration that brings together faith, craftsmanship, community participation and a shared appreciation for striking architecture.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Malaysia’s iconic KLCC inspires a unique blend of architecture, culture and religious tradition at India’s Durga Puja festival.

ab0f0efbff9034e50cacc9b775dd4affdb889ba843d2093639a46a678c03d596

India Builds RM1.29 Million Petronas Twin Towers Replica For Durga Puja Festival

Apple has unveiled its redesigned iPad mini for 2026, bringing an 8.5-inch OLED display, the A20 Pro chip and IP67-rated dust and water resistance to its smallest tablet.
The new model replaces the 2024 iPad mini, which features an 8.3-inch LCD screen and an A17 Pro chip. Alongside its display and performance upgrades, the 2026 version is thinner and lighter, adds a redesigned audio system and supports newer wireless standards.
These changes come with a higher price. In Malaysia, the new iPad mini starts at RM2,999 for the 128GB Wi-Fi model, RM800 more than the previous generation&rsquo;s original starting price of RM2,199.
Apple iPad Mini 2026 Malaysia Pricing and Availability
<img src="https://r2.myc.my/c933e22c573864d6549ec268ef7c6dcadc9bc1ed06d8291a2cdce61119ab9af9" />
Pre-orders in Malaysia open on Thursday, 29 October 2026, at 1.10am, with sales beginning on Friday, 6 November. The tablet comes in Midnight and Starlight, with 128GB, 256GB and 512GB storage options.
<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 23.1282%;">Model</td>
<td style="width: 23.1282%;">128GB</td>
<td style="width: 23.1282%;">256GB</td>
<td style="width: 23.1282%;">512GB</td>
</tr>
<tr>
<td style="width: 23.1282%;">Wi-Fi</td>
<td style="width: 23.1282%;">RM2,999</td>
<td style="width: 23.1282%;">RM3,999</td>
<td style="width: 23.1282%;">RM4,299</td>
</tr>
<tr>
<td style="width: 23.1282%;">Wi-Fi + 5G</td>
<td style="width: 23.1282%;">RM3,699</td>
<td style="width: 23.1282%;">RM4,099</td>
<td style="width: 23.1282%;">RM4,999</td>
</tr>
</tbody>
</table>
Apple Education Pricing starts at RM2,779 for eligible students and educators. Nano-texture glass, designed to reduce glare, is available for the 256GB and 512GB models for an additional RM400.
The iPad mini continues to support Apple Pencil Pro and Apple Pencil USB-C. Apple&rsquo;s new TechWoven Smart Folio is also available separately for RM349.
Larger 8.5-Inch OLED Display
&nbsp;<img src="https://r2.myc.my/3dece58b54e2bd066b035bb4552d51b15de8aa9592ea2dd1bdd40a72de1317c8" />
The biggest change is the switch from an 8.3-inch Liquid Retina LCD to an 8.5-inch Super Retina XDR OLED display. OLED allows deeper blacks and stronger contrast, with a stated contrast ratio of 2,000,000:1.
Brightness reaches up to 600 nits for standard content and 1,200 nits for HDR highlights. The display can also dim to one nit in darker environments. Apple says slimmer bezels&mdash;reduced by around 24%&mdash;make the larger screen possible without increasing the tablet&rsquo;s overall footprint.
However, the display still has a 60Hz refresh rate and does not support Apple&rsquo;s ProMotion technology, which offers refresh rates up to 120Hz on iPad Pro models.
Thinner Design and IP67 Water Resistance
<img src="https://r2.myc.my/63319c273f612b867ecbd93ad11a260595a148a889a520a7cb5eca86c423b037" />
The new iPad mini measures 195.3mm tall, 132.6mm wide and 5.4mm thick. The Wi-Fi model weighs 255g, while the Wi-Fi + 5G version weighs 263g, making both lighter than their predecessors.
It is also the first iPad with an IP67 dust and water resistance rating. Under controlled test conditions, IP67 means the device is dust-tight and can withstand immersion in freshwater up to one metre deep for 30 minutes. Water resistance can diminish over time, and liquid damage is not covered by Apple&rsquo;s warranty.
Apple has also introduced an Acoustic Display audio system. Specially designed woofers direct sound through the display, while tweeters hidden between the glass and aluminium enclosure are intended to provide clearer high frequencies. The design helps eliminate conventional speaker openings.
A20 Pro Chip and AI Performance
<img src="https://r2.myc.my/43ef8e6b3a5801fcac08869715cbe689bdcccc9080da8f1a677a357bee64e8ec" />
The tablet is powered by Apple&rsquo;s A20 Pro chip, also used in the latest iPhone 18 Pro series. Apple claims up to 60% faster multi-threaded CPU performance and up to 2.7 times faster graphics than the previous iPad mini. It also reports up to 4.5 times faster AI performance for certain tasks.
The chip supports hardware-accelerated ray tracing and Neural Accelerators in each GPU core. Specifications vary by storage: the 128GB and 256GB models have a five-core CPU, seven-core GPU and 16-core Neural Engine. The 512GB model gets a six-core CPU and a Dual 16-core Neural Engine, with the same seven-core GPU.
The tablet runs iPadOS 27 and supports Apple Intelligence. It retains Touch ID in the top button and a USB-C port.
Wi-Fi 7, 5G and Camera Changes
Apple&rsquo;s N1 wireless chip adds Wi-Fi 7, Bluetooth 6 and Thread support. Cellular models use the C2 modem for 5G connectivity.
The 12MP Center Stage front camera has moved to the landscape edge, making it better positioned for video calls when the tablet is held horizontally. The rear 12MP camera supports 4K video recording at up to 60 frames per second, along with Smart HDR 4 and an Adaptive True Tone flash.
Charging and Battery Life
&nbsp;<img src="https://r2.myc.my/b7df854f91f2d4fda534eda8867d861083fcce26c7dede24cb197a84458da503" />
Apple says the new iPad mini can charge to 50% in around 30 minutes when connected to a compatible 35W or higher USB-C power adapter. However, the box includes a 20W adapter and a USB-C charging cable.
Battery life remains rated at up to 10 hours of web browsing or video playback.
A Significant Upgrade at a Higher Price
The 2026 iPad mini brings a larger OLED screen, faster performance, a lighter body and dust and water resistance to Apple&rsquo;s compact tablet range. It also retains support for Apple Pencil accessories and introduces updated connectivity.
However, its higher starting price and 60Hz display may give some buyers pause. Malaysian customers can pre-order the tablet from 29 October, with retail availability beginning on 6 November 2026.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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The new iPad mini starts at RM2,999 in Malaysia, with pre-orders opening on 29 October.

a66fa69fbd575f7a0f486f8f708d66aebf00bd48422990b0e63280df8abe769b

Apple iPad Mini 2026 Arrives in Malaysia With OLED Display, A20 Pro Chip and IP67 Water Resistance

Malaysia has recorded its highest-ever score in the Economic Freedom of the World index since it was introduced in 1970, although the country has slipped two places in the global rankings as other economies made faster progress.
According to the Center for Market Education (CME), Malaysia scored 7.57 out of 10 in the Economic Freedom of the World: 2026 Annual Report, improving slightly from 7.55 previously. Despite the record score, Malaysia fell from 33rd to 35th place among 165 countries and jurisdictions assessed.
In a statement issued on Monday, 19 October, the think tank said Malaysia's economic freedom had improved considerably since the beginning of the century. However, it warned that the latest ranking should not be a reason for complacency, particularly as other countries continue to implement reforms at a faster pace.
Malaysia Remains ASEAN's Second-Freest Economy
<img src="https://r2.myc.my/8afca5035a0d0b9972cef6b39abed3b1b25a2242bcf4ad10b2ed6e72a6f3234c" />
Despite its decline in the global rankings, Malaysia remains the second-freest economy in ASEAN, trailing only Singapore, which secured third place worldwide with a score of 8.43.
Malaysia continues to rank ahead of several regional economies, including Thailand in 57th place, Brunei and the Philippines in joint 61st place, and Indonesia in 72nd place.
Globally, Hong Kong topped the index with a score of 8.53, followed by Switzerland, Singapore, New Zealand and the United States.
Malaysia's score is also above the regional average of 6.99, indicating that the country's overall economic freedom remains relatively strong compared with its regional counterparts.
Nevertheless, the two-place drop highlights the difference between improving a country's own performance and keeping pace with other economies. Although Malaysia achieved a higher score, other countries made sufficient progress to overtake it in the rankings.
Malaysia's Economic Freedom Has Recovered Since the Asian Financial Crisis
&nbsp;<img src="https://r2.myc.my/f5efc3d20acd87b90e8ec65ca8a5facac8f825db5aaf4bd93400351a81f384e5" />
The CME noted that Malaysia has made considerable progress since the economic difficulties experienced during the Asian financial crisis.
According to the report, Malaysia scored 6.99 and ranked 36th in 1995 before its score fell to 6.12 in 2002 following the financial crisis, capital controls and policy disruptions.
The country's position deteriorated further, reaching 97th place in 2009. However, Malaysia has gradually improved its standing since then, reflecting its longer-term progress in economic freedom.
The latest score of 7.57 marks its strongest performance since the index was established, suggesting that Malaysia has made significant gains over the decades despite facing economic and policy challenges along the way.
The improvement also reinforces Malaysia's position as one of Southeast Asia's more economically open economies, although the latest ranking suggests there is still room for further reform.
Government Ownership Remains a Key Concern
&nbsp;<img src="https://r2.myc.my/f4d57510cb73caddb9a44fc4b7cd4032798a83df8448a27e7035f76a4597605b" />
CME chief executive officer Dr Carmelo Ferlito said Malaysia's monetary stability and relatively flexible labour market remained important strengths supporting its economic performance.
However, he warned that the government's extensive involvement in commercial activities continued to present a challenge.
According to Ferlito, government-linked companies (GLCs) and state-owned banks account for a substantial state presence in the economy, which he described as among the heaviest in the world.
He also raised concerns about public administration, stating that it had become less impartial since 2019.
While the country's record score is encouraging, Ferlito stressed that Malaysia should not become complacent as other economies continue to advance their economic reforms.
His comments highlight the ongoing debate over the role of government in the economy, particularly the balance between state participation, private-sector competition and market efficiency.
What Malaysia Needs to Do to Reach the Global Top 20
<img src="https://r2.myc.my/d231982ee21843486056da568c1d7911fcbe2fe9c0aefaf186ab4678a4075298" />
Ferlito said Malaysia would need to pursue further structural reforms if it hopes to break into the world's top 20 economies in the economic freedom rankings.
Among the measures he identified were reducing state ownership in the economy, ensuring that the civil service operates according to clear rules and remains impartial, simplifying the country's tariff structure, and opening markets to greater competition.
Reducing barriers to competition could help create more opportunities for private businesses, while clearer and more impartial public administration could support a more predictable business environment.
Simplifying tariffs could also make trade arrangements easier to navigate, potentially improving market access for businesses and investors.
However, the proposed changes would require sustained policy efforts rather than relying solely on incremental improvements in the country's overall score.
Record Score Shows Progress, But More Reforms Are Needed
Malaysia's latest economic freedom score represents a milestone, reflecting its recovery from the setbacks experienced in the aftermath of the Asian financial crisis and its subsequent improvement over the years.
Nevertheless, its fall to 35th place globally serves as a reminder that maintaining competitiveness requires continued progress as other countries strengthen their own economic policies.
With Malaysia still ranked second in ASEAN, the country has a relatively strong regional position. The challenge now is to translate that standing into further improvements in economic openness, market competition and public administration.
As highlighted by CME, reaching the global top 20 will require Malaysia to address the role of state-owned entities, strengthen impartial governance and create greater opportunities for competition.
Whether Malaysia can climb higher in future editions of the index will depend not only on maintaining economic stability, but also on how effectively it implements the reforms needed to keep pace with the rest of the world.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Malaysia hits a record economic freedom score, but slower progress sees it slip two places in the global rankings.

8aff757719fee624bd62c48b431ee701ba53f0cc9c3586a534cdcfc762f84e6c

Malaysia Achieves Highest Economic Freedom Score Since 1970, But Slips To 35th Globally

Ryt Bank customers can now make contactless payments using their Apple devices, following the launch of Apple Pay support for the bank&rsquo;s Ryt Card on 6 October 2026. The update allows customers to add their card to Apple Wallet and pay in stores, online and through supported apps without needing to take out their physical card.
With this addition, Ryt Bank becomes the first digital bank in Malaysia to support both Apple Pay and Google Pay. The bank introduced Google Pay support in January 2026, giving Android users access to mobile payments before extending the service to Apple users.
The latest update offers customers more flexibility in how they pay for everyday purchases, from buying groceries and grabbing coffee to shopping online. It also introduces another convenient way to make payments while benefiting from the security features built into Apple Pay.
How Apple Pay Makes Everyday Payments More Convenient
<img src="https://r2.myc.my/a06634d7f0de0d8f8ba130a5be85cd48b0017e061d6bbdda0e8e0a4cec6d2fdf" />
Apple Pay allows customers to use compatible devices, including iPhones and Apple Watches, to make contactless payments at participating merchants. Instead of carrying a physical card, users can simply authenticate their payment on their device and hold it near a compatible payment terminal.
The service also works for online purchases and in-app transactions at supported merchants, allowing users to complete payments without repeatedly entering their card details.
For customers who frequently use contactless payments, adding a card to Apple Wallet can make everyday transactions quicker and more convenient. It is particularly useful when heading out without a wallet, as payments can be made directly through a compatible Apple device.
Customers who use Android devices can continue to access Google Pay with their Ryt Card, meaning Ryt Bank now supports both major mobile wallet platforms.
Apple Pay Security Features Protect Your Card Details
<img src="https://r2.myc.my/724ed1fa5a195167b50cac4b7b977fbefb8d824b9a7a4435187ed13a5a0f9b5b" />
Beyond convenience, Apple Pay includes security measures designed to protect users&rsquo; payment information.
Each transaction must be authenticated through Face ID, Touch ID or the device&rsquo;s passcode, helping ensure that payments are authorised by the device&rsquo;s owner.
Apple Pay also uses a device-specific account number and a unique security code for each transaction, rather than sharing the actual card number with merchants. Apple states that card numbers are not stored on its servers, adding another layer of protection when customers make payments.
If an iPhone is lost or misplaced, users can also use Apple&rsquo;s Find My service to mark the device as lost and suspend Apple Pay on it.
However, users should still protect their devices with a secure passcode and keep their banking applications updated.
How To Add Your Ryt Card To Apple Pay
&nbsp;<img src="https://r2.myc.my/8f90cd0d321e69e0ce6a2eb0c2d2ed8edda25d579cd43fa930c406b9029d639d" />
Ryt Bank customers can add their Ryt Card to Apple Wallet through the bank&rsquo;s app or directly through the Wallet app on a compatible Apple device.
Option 1: Through the Ryt Bank app
<ol>
<li>Open the Ryt Bank app and navigate to the Cards tab.</li>
<li>Select the option to Add to Apple Wallet.</li>
<li>Follow the on-screen instructions to complete the setup.</li>
</ol>
Option 2: Through Apple Wallet
<ol>
<li>Open the Wallet app on your compatible Apple device.</li>
<li>Tap the + button to add a card.</li>
<li>Follow the instructions to add and verify your Ryt Card.</li>
</ol>
Once the setup is complete, you can use Apple Pay wherever the service is accepted. Depending on your device and setup, you may also be able to add the card to other compatible Apple devices.
What Is Ryt Bank?
<img src="https://r2.myc.my/7838122416fdb9288b2869284ae7342adcbab30c4e9ed6c8699fea2c795f1bbc" />
Ryt Bank is a licensed digital bank in Malaysia that provides banking services through a digital platform, allowing customers to manage their finances without relying on a traditional network of physical bank branches.
It is operated by YTL Digital Bank Berhad, a joint venture between YTL Digital Capital Sdn Bhd and Sea Limited, the parent company of Shopee and Garena. The bank offers digital banking services through its mobile app, including access to its Ryt Card.
As a digital bank, Ryt Bank focuses on providing customers with accessible banking services and digital tools for everyday financial management. Its support for Google Pay and Apple Pay expands the ways customers can use their Ryt Card for cashless transactions.
Which Other Banks Support Apple Pay In Malaysia?
Ryt Bank joins several established financial institutions that already support Apple Pay in Malaysia. These include AmBank, CIMB, Hong Leong Bank, HSBC, Maybank, RHB and Standard Chartered.
Wise Payments Malaysia is also listed by Apple as a participating card issuer, although availability can vary depending on the issuer and card type.
With Apple Pay now available for the Ryt Card, Ryt Bank customers have another option for making secure, convenient payments using their preferred devices. The move also strengthens the bank&rsquo;s digital payment offerings, allowing both iPhone and Android users to enjoy mobile wallet convenience.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Your Ryt Card just got more convenient, with seamless cashless payments.

83a7b0eb032eccc584cde4e6a36238f2fc261c203d052ed405a69689184ad951

Ryt Bank Adds Apple Pay Support, Becoming Malaysia’s First Digital Bank To Offer Apple Pay And Google Pay

Malaysians can now access a new savings and protection plan directly through ShopeePay following an expanded partnership between ShopeePay Malaysia and Zurich Life Insurance Malaysia Berhad (ZLIMB).
The new Zurich Savings &amp; Protection Plan combines savings with life and disability protection, giving users a way to build their financial future while receiving additional coverage. The two-year plan currently starts from a single premium of RM500, with the minimum entry amount set to be lowered to RM100 in the near future.
The partnership was officially launched in Kuala Lumpur on 7 October 2026 under the theme &ldquo;Everyday Protection, Made For All&rdquo;, marking the first time ShopeePay's digital distribution partnership with Zurich has extended to its life insurance business.
What Does The Zurich Savings &amp; Protection Plan Offer?
<img src="https://r2.myc.my/02d8fdee262be6b2445a734c559a9c007eed48e7b28876a54e5e86c1b9cf1734" />
The Zurich Savings &amp; Protection Plan is a two-year, single-premium endowment plan designed to combine savings growth with life protection.
One of its key features is guaranteed cash payouts every six months, allowing policyholders to receive regular payments throughout the two-year period. The plan also provides life and disability protection equivalent to 105% of the premium paid, with the benefit payable to the policyholder or beneficiaries according to the terms of the policy.
At the end of the two-year maturity period, policyholders receive 100% principal protection, subject to the applicable terms and conditions.
There are also flexible early cash-out options for those who may need access to their money before the plan reaches maturity. However, the amount received through an early cash-out may differ from the maturity benefit, so customers should review the relevant terms before purchasing.
How To Purchase The Plan On ShopeePay
<img src="https://r2.myc.my/8d9b3b8f382f3a162388fedb4e0ec88f82a040875e60c04fc2328acdf87b31af" />
The Zurich Savings &amp; Protection Plan is available directly through the ShopeePay app, allowing users to access the product digitally without having to visit an insurance branch.
To find the plan, users can open the ShopeePay app and select &ldquo;Insurance&rdquo; from the homepage, followed by &ldquo;Endowment&rdquo;.
The launch expands ShopeePay's existing relationship with Zurich. The platform already works with Zurich General Insurance Malaysia Berhad and Zurich General Takaful Malaysia Berhad, but this is the first time its digital distribution partnership has extended to Zurich's life insurance arm.
It also builds on the earlier availability of Zurich Critical Illness insurance through the platform.
Entry Premium To Be Lowered To RM100
<img src="https://r2.myc.my/41239d4b6ec3e4396504fea8aac52d5404aaf336d4b389c532e5e6030b04823c" />
The plan currently requires a minimum premium of RM500, but Zurich and ShopeePay are planning to reduce this to RM100.
While the lower entry point has not yet been implemented, it could make the product more accessible to Malaysians who want to start building financial protection with a smaller initial commitment.
Both companies said the broader goal is to make insurance and financial protection more accessible through digital platforms that consumers already use in their everyday lives.
Junior Cho, Country CEO of Zurich Malaysia, highlighted that Malaysia's protection gap is closely linked to accessibility, saying insurers need to reach consumers where they already are rather than expecting them to seek out traditional channels.
Family Takaful Plans Coming Next Year
<img src="https://r2.myc.my/ce24b27f03d837ea0488d1e9954160c6552ede6a05201dc8e2d393731223dbe1" />
The partnership is also expected to expand into family takaful in 2027.
ShopeePay and Zurich Takaful Malaysia Berhad plan to introduce family takaful products through the platform, giving users access to Syariah-compliant protection alongside conventional insurance options.
Family takaful provides life and financial protection based on Syariah principles, offering Malaysians another option when planning for their long-term financial needs.
Zurich Savings &amp; Protection Plan At A Glance
For those considering the new product, here are the key details:
<ul>
<li>Minimum premium: RM500</li>
<li>Planned future minimum: RM100</li>
<li>Plan duration: Two years</li>
<li>Payment structure: Single premium</li>
<li>Guaranteed cash payouts: Every six months</li>
<li>Life and disability protection: 105% of premium paid</li>
<li>Principal protection at maturity: 100%</li>
<li>Early cash-out: Available, subject to the plan's terms</li>
<li>Available on: ShopeePay app</li>
<li>Access: Insurance &rarr; Endowment</li>
<li>PIDM protection: Benefits are protected by PIDM, subject to applicable limits</li>
</ul>
With the new Zurich Savings &amp; Protection Plan, ShopeePay is expanding beyond everyday payments and general insurance into life insurance, giving Malaysians another digital option to combine savings and financial protection.
The planned RM100 entry point and upcoming family takaful offerings could further widen access to financial protection, although customers should always review the product's terms, benefits and conditions before committing.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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No insurance yet? This could be a simple way to start building financial protection.

0e59542d0735bf57c67f70ff72f64333a4ebc4b0d97c8c2f168a0ff63fa9a947

ShopeePay And Zurich Launch Two-Year Savings And Protection Plan From RM500

Only 39% of active Employees Provident Fund (EPF) members in Malaysia&rsquo;s formal sector are currently on track to meet the fund&rsquo;s Basic Savings benchmark by the age of 60, highlighting the challenge of ensuring Malaysians have enough money to support themselves throughout retirement.
Prime Minister Datuk Seri Anwar Ibrahim said the proportion of members meeting the age-based Basic Savings benchmark increased from 36% in June 2025 to 39% in June 2026.
While this represents progress, around six in 10 active formal-sector EPF members remain below the benchmark for their age.
The government is targeting for six in 10 EPF members to meet the Basic Savings benchmark by 2030 under the EPF&rsquo;s Retirement Income Adequacy (RIA) framework.
What Is The RM390,000 EPF Savings Target?
<img src="https://r2.myc.my/094d4f6f9a830c467627a3083a59c1631eb6cf3f98094ae48e08266cbe4c034e" />
The RM390,000 figure is the EPF&rsquo;s full Basic Savings level under its three-tier Retirement Income Adequacy framework, which took effect in 2026.
The RIA framework is designed to give members a clearer guide to how much they may need for retirement. It consists of three savings levels:
<ul>
<li>Basic Savings: RM390,000</li>
<li>Adequate Savings: RM650,000</li>
<li>Enhanced Savings: RM1.3 million</li>
</ul>
Basic Savings is intended to cover essential retirement needs, while Adequate Savings aims to support a reasonable standard of living. Enhanced Savings represents a higher level of financial security in retirement.
According to EPF, RM390,000 is designed to support an initial monthly withdrawal of around RM1,625 in the first year of retirement, with the framework projecting withdrawals over 20 years from age 60 to 80.
The RM390,000 Benchmark Is Being Phased In
<img src="https://r2.myc.my/e6cb2d5631158eb97bdc73790e51aedeceee88bc865de1df4b151f201e1121f5" />
Although RM390,000 is the full Basic Savings benchmark at age 60, members are not expected to reach the amount immediately.
EPF is gradually introducing the target over five years to give members time to adjust to the higher savings benchmark.
The schedule is:
<ul>
<li>2026: RM270,000</li>
<li>2027: RM300,000</li>
<li>2028: RM330,000</li>
<li>2029: RM360,000</li>
<li>2030: RM390,000</li>
</ul>
The benchmark is also age-based, meaning members are assessed against the amount appropriate for their age rather than being expected to have RM390,000 at any point before the full target takes effect.
Why Retirement Savings Remain A Concern
<img src="https://r2.myc.my/52182c09071739d833d3baddd6f9a8a7636a9bb4cb4f46c70e3fa92d408bfb79" />
Anwar said the latest figures showed progress, but warned that too many Malaysians remain at risk of running out of savings during retirement.
With retirement potentially lasting 20 to 25 years, the issue is not simply accumulating a large lump sum but ensuring those savings can provide a sustainable income throughout retirement.
Speaking at the EPF International Social Wellbeing Conference 2026, Anwar also highlighted the financial pressures facing households today.
He said retirement planning cannot be viewed purely as a matter of financial literacy when many households are already dealing with immediate expenses such as food, rent and education.
This means the ability to save for retirement is closely linked to having sufficient and stable income. Retirement security therefore also depends on wages, decent employment and the ability to contribute consistently.
Informal And Gig Workers Remain Part Of The Challenge
<img src="https://r2.myc.my/379ead4e522887f28a70b190fe51084bd10ab1c9c743c7f4476279e7a5af34fe" />
Another challenge is extending retirement savings coverage to Malaysians working outside conventional formal employment.
The growth of self-employment, gig work and other non-traditional forms of employment means some workers may not receive regular employer contributions to their EPF accounts.
The government has introduced initiatives to broaden coverage, including i-Saraan, which provides incentives for eligible self-employed and informal workers who contribute to EPF.
There is also i-Saraan Plus, which provides additional support for eligible e-hailing and p-hailing workers, while i-Suri has been expanded to support retirement savings among women involved in unpaid care work.
These programmes aim to encourage more Malaysians outside traditional employment to build retirement savings.
EPF Shifts Focus From Savings To Retirement Income
<img src="https://r2.myc.my/dce895ff83854520641db177e2f062d4bde7a0b11c289be0f00857338c4e3ef9" />
EPF chairman Tan Sri Mohd Zuki Ali said retirement planning should not focus solely on how much money members have accumulated. Instead, members need to consider how their savings can provide a sustainable income throughout retirement.
This approach is reflected in the RIA framework, which connects savings levels with potential retirement income rather than treating EPF savings simply as a lump sum. EPF has also introduced measures to help members manage their savings over a longer retirement period.
One is i-Emas, which provides regular monthly payments under the existing Age 55/60 Withdrawal facility. As of June 2026, more than 25,000 members had opted for monthly withdrawals, including more than 7,000 aged 55 and more than 19,000 aged 60.
Another initiative, i-Legasi, allows eligible members with savings above the RM650,000 Adequate Savings level to transfer eligible excess savings to the EPF accounts of immediate family members.
Government Expands Support For Older Malaysians
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<img src="https://r2.myc.my/019711301cc9d428487370e4deba8a076a5d9bb64a1c4be910cb5006b512c012" /> &nbsp; &nbsp; &nbsp; &nbsp;
Retirement security is also being addressed beyond EPF savings.
Under Budget 2026, the government allocated RM1.26 billion for senior citizen welfare, with the funding expected to benefit around 180,000 older Malaysians through assistance and activity centres.
Anwar also highlighted the need for a more comprehensive care system for Malaysia&rsquo;s ageing population, covering community support, nutritious meals and home assistance, as well as day care, home nursing and residential care for older people who are frail or living with dementia.
He said access to essential care should be based on need rather than solely on an individual&rsquo;s ability to pay.
What The Latest EPF Figures Mean
The increase from 36% to 39% of active formal-sector EPF members meeting their age-based Basic Savings benchmark shows some improvement in retirement preparedness.
However, the figures also underline the scale of the challenge ahead.
The government aims to increase the proportion to 60% by 2030, while the full Basic Savings benchmark gradually reaches RM390,000 at age 60.
For EPF members, the RIA framework provides a clearer reference point for assessing whether their savings are keeping pace with their age and expected retirement needs.
Ultimately, retirement planning is not just about reaching a particular savings figure. It is also about ensuring Malaysians have sufficient income, savings and social support to sustain themselves through what could be decades of retirement.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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