![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/feat-mtb-2-678x381.jpg\" "\\"feat")
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Have you ever just sat at your desk at work and thought, \u201cMan, if only some long-lost uncle would leave me a huuuuuge inheritance, I wouldn\u2019t have to write any more articles\u201d?<\/p>\n
If you have, chances are you already have plans for the sudden RM1-10 billion from your fictional dead uncle. Loans to pay off, mansions to buy and renovate to your liking, and maybe even plans for a dramatic last Will and testament reading scene.<\/p>\n
![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/tom-and-jerry-last-will-custard-pie-k3ynq6sedm4xi89d.gif\")
Or a funny one.<\/p>\n
Sadly, real life isn\u2019t that simple, and inheritance can be a lot more intimidating than it looks for first timers. In fact, we hadn\u2019t even heard of the ominous term \u2018probate\u2019 until Maybank Trustees Berhad reached out to us and we came up with the Sepak Baldi Survey together.<\/p>\n
After months of collecting data and analyzing results \u2013 and some serious reading up on laws \u2013 we\u2019ve managed to learn a bit more about inheritance issues and how well Malaysians know them. We\u2019ll be sharing some of these insights with you today, but first, some key stats:<\/p>\n
A total of 1,003 respondents took the time to answer (thanks guys!)<\/p>\n
Almost the same number of men (51%) and women (49%) answered<\/p>\n
Most are between 18-44 years old (83.5%)<\/p>\n
Most live in the Klang Valley (57.5%), although we have representatives from each state and overseas<\/p>\n
Most speak English (70.1%) in a combination with Malay dialects (32.2%), Chinese dialects (30.9%), and Indian dialects (12.6%).<\/p>\n
So with that out of the way, let\u2019s get the ball rolling with perhaps the most shocking finding first\u2026<\/p>\n
1. 72% of our respondents (including us!) underestimate how long getting inheritance would take<\/p>\n
![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/MCHD7AL.gif\")
When your conglomerate chairman father died last week and you\u2019re still not chairman yet.<\/p>\n
When we asked how long people think it would take for their family to actually get the money if they died without a Will\/Wasiat\u2026<\/p>\n
26% said within a month<\/p>\n
34.8% said between 2-6 months<\/p>\n
11.5% said a year<\/p>\n
27.6% said more than a year<\/p>\n
So what\u2019s the correct answer? While circumstances may vary, the most likely answer would be more than a year, which only 27.6% got correct. And for the typical movie scene where there\u2019s multiple mansions and cars to inherit, plus a scheming uncle trying to take the inheritance? That could take a much longer period.<\/p>\n
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Getting the money will take more time than uncle has left.<\/p>\n
A simplified process of what actually happens when someone passes away would look something like this:<\/p>\n
If you have a Will\/Wasiat instrument (Testate):<\/p>\n
You name someone as executor in your Will\/Wasiat. That person\u2019s job is to take charge.<\/p>\n
To legally act on your behalf (like touch your bank account, property, etc.), they need a Grant of Representation from the High Court (in Peninsular Malaysia and Sabah), or through Amanah Raya or District Office (in Sarawak). We\u2019ll explain more in a later point.<\/p>\n
Once the Grant of Representation is approved, they:<\/p>\n
Use your estate to pay off debts first (loans, bills, taxes).<\/p>\n
Distribute the remaining assets according to what you wrote in your Will\/Wasiat.<\/p>\n
For Muslims, there are extra T&Cs due to something called Faraid, a.k.a. the Islamic inheritance laws:<\/p>\n
With a Wasiat instrument, you can decide who gets what\u2026 but only if ALL your Faraid heirs agree.<\/p>\n
If even one heir says \u201csaya tak setuju\u201d, the Faraid system applies as a dispute resolution. That heir will get their fixed share according to Faraid, and the rest can choose whether or not they want to honour the wishes in your Wasiat.<\/p>\n
Wasiat allows giving up to \u2153 of your estate to non-Faraid people (like adopted kids, friends, charity). If you want to give more than \u2153, or adjust Faraid shares, all heirs must agree.<\/p>\n
This is where having a trustee (like Maybank Trustees) helps. They manage and organise things professionally even if things can get out of control within the family.<\/p>\n
But if you don\u2019t have a Will\/Wasiat (Intestate):<\/p>\n
Your family members need to decide who applies to court to be the administrator (instead of executor).<\/p>\n
Depending on the estate\u2019s size or type, that person can apply for a Letter of Administration (LA) at the High Court, or a summary administration through the Amanah Raya or the Land Office for Small Estate Distribution.<\/p>\n
Once LA is approved, same steps apply: debts cleared first, then distribution; but this time it follows intestate laws (a fixed legal formula), and not your personal wishes.<\/p>\n
Simple right? <\/p>\n
![\"\"\/](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/giphy.gif\")
Lalisa did not, in fact, drop some money after seeing all those steps. GIF from GIPHY<\/p>\n
One thing\u2019s for sure: these steps take time. Even if you have a Will\/Wasiat instrument, getting a GP can take around 3-5 months<\/a>, depending on whether there are complications with the Will\/Wasiat, disputes among heirs, the complexity of the estate, or uncooperative beneficiaries, etc.\u00a0<\/p>\n If you don\u2019t have a Will\/Wasiat, your family still needs to unanimously decide who will handle everything before even starting the LA process \u2013 which itself can take months, sometimes longer. Only after that does the real work begin: paying debts, collecting assets, selling assets, and slowly distributing everything to whoever\u2019s entitled.<\/p>\n In fact, according to Maybank Trustees Berhad (MTB), the #1 reason probate (GP) or administration (LA) cases drag on forever is because\u2026 nobody actually knows what the deceased owned.<\/p>\n Without a proper list of assets, families end up wasting months calling banks, hunting down old investments, checking land titles, and arguing among themselves \u2013 so you can kiss your \u201cfew months\u201d timeline goodbye. Even if you only had one bank account, the realistic estimate is 6-12 months<\/a> minimum, not \u201cimmediately\u201d.<\/p>\n MTB\u2019s advice: write down your assets now, so your family isn\u2019t stuck playing CSI: Harta Edition when you\u2019re gone.<\/p>\n 2. 40% of Malaysians learned the hard way that bank accounts freeze when someone dies<\/p>\n When we asked Malaysians about the biggest practical lesson they learned from losing a loved one, the top four answers are:<\/p>\n Always prepare a Will\/Wasiat instrument (56.3%)<\/p>\n Bank accounts and assets freeze when somebody dies (40.2%)<\/p>\n Funeral costs can kill you (34.4%)<\/p>\n Debts do not die with the person (31.4%)<\/p>\n Let\u2019s talk about that second one, because it catches almost everyone off guard.\u00a0<\/p>\n You might think, \u201cMy spouse already gave me their ATM card,\u201d or better yet, \u201cWe share a joint account, so I\u2019ll still have money for rent, groceries, and cat food if anything happens\u201d. In fact, that\u2019s what 43.4% of our respondents think.\u00a0<\/p>\n Unfortunately\u2026 nope.\u00a0<\/p>\n Once the bank is officially notified of a death, the account is automatically frozen<\/a>. This may apply to joint accounts too (which 15.1% of our respondents guessed correctly!), unless the account was set up with a survivorship clause.<\/p>\n It\u2019s not the bank being heartless. Every bank has their own internal policies. But at the end of the day, the law is clear: if you have a Will\/Wasiat, your stuff follows that. If you don\u2019t, then it follows intestate law (the default formula).<\/p>\n And here\u2019s the part that stings: accessing that money can take months, and a lot of paperwork. This writer learned the hard way too when his mother passed away, and he\u2019s not alone; as 40% of Malaysians surveyed share the same experience.<\/p>\n We spoke to Dato\u2019 Nor Fazlina\u00a0Mohd\u00a0Ghouse, CEO of Maybank Trustees Berhad, who explained why banks freeze accounts:<\/p>\n \u201cWhen a person passes away, financial institutions may freeze their accounts to protect the monies from being released to unauthorised parties. This applies to individual account, and may include joint accounts unless there\u2019s a survivorship clause or legal arrangements in place.\u201d<\/p>\n \u2013 Dato\u2019 Nor Fazlina\u00a0Mohd\u00a0Ghouse, CEO of Maybank Trustees Berhad, to CILISOS.<\/p>\n But here\u2019s the good news \u2013 Maybank Trustees Berhad sees this hassle, and are working on a proposed solution to help you access your joint accounts funds with Maybank more quickly.<\/p>\n \u201cThe proposed solution is designed to provide immediate access to essential funds by the surviving account holder. It\u2019s a practical solution to ease financial stress during an emotionally challenging period. -Dato\u2019 Nor Fazlina\u00a0Mohd\u00a0Ghouse, to CILISOS.<\/p>\n Disclaimer: Please note that the proposed solution is still a work in progress and is provided for informational purposes only. It remains subject to ongoing development, review, and relevant approvals.<\/p>\n And guess what? Cilisos readers get first dibs.<\/p>\n Maybank Trustees Berhad is opening an Early Access Pilot Program, and you can be part of it. Just click this link <\/a>to learn more and set an appointment with the Maybank Trustees team. This is one way to make sure your family isn\u2019t left stranded if something happens to you \u2013 whether you\u2019re mentally incapacitated, or if you\u2019ve already jalan dulu.<\/p>\n Because let\u2019s be real, when something suddenly happens, access to quick cash is limited. While you\u2019re still alive but incapacitated? Almost zero options. After you\u2019re gone? It\u2019s usually just EPF, insurance, or the emergency stash under your tilam.<\/p>\n Speaking of which\u2026<\/p>\n 3. Most of our respondents may get faster money\u2026 through EPF and insurance!<\/p>\n When asked what they\u2019re leaving behind for their loved ones, the top three answers are:<\/p>\n My savings and EPF [71%]<\/p>\n Insurance money [51.3%]<\/p>\n House(s) or land [43.6%]<\/p>\n Interestingly, the top two answers for this question are a bit special when it comes to inheritance. While houses, land, cars, and even your rantai emas fall under the definition of your estate; EPF savings and life insurance payouts are governed by different laws altogether, meaning they won\u2019t go through the same process.<\/p>\n For life insurance, the length of time depends on which company you bought the policy from. Generally though, if your death isn\u2019t suspicious, and if your nominee(s) didn\u2019t forget any documents or mess up while claiming, they can expect to get the money in two months or less.\u00a0<\/p>\n EPF, on the other hand<\/a>, can be a lot faster IF you\u2019ve already nominated someone: nominees can get their entire portion within two weeks<\/a> after all the required documents have been sent for processing.\u00a0No court drama, no extra paperwork, just smoother sailing.<\/p>\n But as usual, there\u2019s always that pesky fine print: <\/p>\n Muslim nominees \u2192 not automatic owners. Think of them as temporary caretakers \u2013 the money still needs to be shared according to muafakat, a.k.a. mutual agreement among one\u2019s Faraid heirs. No agreement? Then Faraid law will masuk campur.<\/p>\n Non-Muslim nominees \u2192 jackpot! Your nominee actually gets the cash, and your Will won\u2019t override it unless you change the nomination while you\u2019re alive.<\/p>\n The same rule also applies for insurance or Takaful.<\/p>\n If you haven\u2019t named someone as a nominee, the process is a bit longer and complicated, and depends on both how much money you have left in your EPF as well as when your next-of-kin decides to withdraw.<\/p>\n Now here\u2019s the kicker: our survey found that only 42% of Malaysians have actually made these nominations for their EPF or insurance\/Takaful. Translation? More than half are leaving their families with unnecessary red tape! <\/p>\n Moral of the story: Go check your nominations + your Will\/Wasiat. If not, your money might not go where you thought it would.<\/p>\n If you\u2019re a nominee, on the other hand, you should know that\u2026<\/p>\n 4. Inheritance is not free!<\/p>\n When we asked people what are the most mafan things about inheritance, the most popular answers are:<\/p>\n The confusing laws and paperwork [62.5%]<\/p>\n Long legal process (i.e. probate) [60.4%]<\/p>\n That it actually takes a long time for my loved ones to get my harta [45.1%]<\/p>\n Family fighting over that harta only accounts for 15% of answers, because let\u2019s face it, fighting the red tapes is even harder! Not only will you need to go through long legal processes that we talked about earlier, but doing that will also cost you more money.<\/p>\n For example, say someone leaves you a house.<\/p>\n If said person leaves you that house without a Will\/Wasiat, you can\u2019t just move in and buat macam rumah sendiri. The property still needs official approval before you can legally transfer or sell it. How mafan it gets depends on the size of the estate:<\/p>\n Small Estate (\u2264 RM5 million, including cash + house): Apply to the Land Office for a Distribution Order. For movable estates less than RM600k, some people apply for Letters of Administration (LA) through Amanah Raya (Public Trustee) instead, but this follows their own fee scale.<\/p>\n Bigger or more complex estate: Say hello to the High Court, where there\u2019s more paperwork, higher legal fees, and way longer wait times, all just to get Letters of Administration.<\/p>\n For Muslims: You\u2019ll also need a Faraid Certificate to figure out who the rightful heirs are before anything can be distributed.<\/p>\n Now, if the person left a Will or Wasiat, things are way smoother. You still need a Grant of Probate (GP), but the process is faster, less stressful, and cheaper. Plus, you\u2019ll already have a named executor to handle everything, which makes the whole process much smoother.<\/p>\n Of course, this is just the TL;DR version. Real-life situations can get way more complicated depending on your assets and family drama.<\/p>\n And here\u2019s the thing: according to Maybank, a proper Will or Wasiat instrument in Malaysia can cost as low as RM298.<\/a> But\u2026 just because you have one, doesn\u2019t mean your harta will magically distribute itself. Someone (a.k.a. your executor) still has to step in to actually do the work.<\/p>\n Their job? Collect your assets, pay off debts, cancel credit cards, settle loans\u2026 only then can they start distributing whatever\u2019s left. From our survey, most Malaysians would hand this responsibility to:<\/p>\n The spouse (57.5%)<\/p>\n A corporate entity (13.8%)<\/p>\n Their closest friend (11.1%)<\/p>\n But it\u2019s not as straightforward as it sounds. In reality, before the executor even starts, families are often already arguing about who gets the house, the car, or the cash. Which means your \u201cchosen one\u201d isn\u2019t just handling the paperwork, they\u2019re also handling family drama.<\/p>\n And if that executor is your spouse or best friend? They\u2019re juggling grief and the chaos of court forms, frozen accounts, and maybe even your abang ipar demanding the Proton Saga. Heavy stuff for someone who never signed up to be a lawyer.<\/p>\n That\u2019s why it\u2019s a good idea to appoint a corporate executor like Maybank Trustees. They do this day in, day out. No drama, no berat sebelah to anyone, no tears \u2013 just proper estate management and administration, with a Will or Wasiat instrument starting from only RM1,080.<\/p>\n So yeah, getting an inheritance can cost a lot of money, time AND drama, unless you plan ahead. Plus, that\u2019s not even the only reason you should plan ahead, because\u2026<\/p>\n 5. A lot of Malaysians have their own preferences for leaving inheritance, but\u2026 it\u2019s not always that easy<\/p>\n Let\u2019s say you have a lot of money to leave behind, and a bunch of people to leave it behind to. Would you rather spread it equally, or give more to who you think deserves it more? When we asked our respondents that question, the top three answers are<\/p>\n I\u2019ll be fair and leave equally (36.4%)<\/p>\n I\u2019ll give more to people I like more (25.4%)<\/p>\n I\u2019ll give more to the less financially secure (21.1%)<\/p>\n If you\u2019re a non-Muslim, it is possible to leave your money whichever way you choose by writing a Will. But if you die without one (aka intestate), then sorry boss\u2026 your harta gets split automatically under the Distribution Act 1958 (if you\u2019re in Peninsular Malaysia & Sarawak) or the Intestate Succession Ordinance 1960 (if you\u2019re in Sabah).<\/p>\n In other words: no Will = the law decides who gets what. Here\u2019s a sample breakdown straight from the Distribution Act 1958<\/a>:<\/p>\n Basically, the law already has a \u201cdefault formula\u201d for who gets what. Under Section 6 of the Distribution Act, your next-of-kin have fixed shares depending on who\u2019s still around. For example: if you die without a Will and leave behind kids + parents (but no spouse), your parents will always get \u2153 and your kids will share the remaining \u2154.<\/p>\n For Muslims, if you have a Wasiat and everyone\u2019s cool with your pesanan (like who gets what), then boleh jalan je terus with what you wrote. No drama, everyone agrees, and the estate is distributed according to your Wasiat instrument.<\/p>\n But if even one Faraid heir says \u201cAku tak setuju!\u201d, the Faraid automatically kicks in as the dispute resolution tool, meaning the estate will be distributed according to the fixed shares already set aside via Faraid to heirs like parents, spouse, children and so on.<\/p>\n Here\u2019s the interesting part: through a Wasiat instrument and as prescribed by the hukum, Muslims are allowed to give up to \u2153 of their estate to non-Faraid beneficiaries \u2013 like adopted kids, besties, or charity (amal jariah). Wanna leave something to your loyal friend or the animal shelter you love? That\u2019s where this portion comes in. But if you want to give more than \u2153, you\u2019ll need consent from all your Faraid heirs. No consent, no deal.<\/p>\n Moral of the story: if you don\u2019t write a Will or Wasiat, your estate may not go where you intended \u2013 it\u2019ll follow the law. <\/p>\n So yeah, if you want to take control of your legacy\u2026<\/p>\n It\u2019s never too early to start planning your own death affairs<\/p>\n While a lot of our respondents are planning to write their Will\/Wasiat after a big life event\u2026<\/p>\n After having enough stuff to leave behind [44.6%]<\/p>\n After death is certain [15.5%]<\/p>\n After I get married [14.4%]<\/p>\n After I have children [12.2%]<\/p>\n After a health scare [8.6%]<\/p>\n \u2026it definitely wouldn\u2019t hurt to get a head start in understanding inheritance laws and making preparations early.<\/p>\n Which is why local financial institutions that specialize in these matters, like Maybank Trustees Berhad (MTB), want to help Malaysians prepare for this seemingly taboo topic of their exit.<\/p>\n \u201cLet\u2019s be real \u2013 estate planning isn\u2019t just for orang kaya. It\u2019s about making things easier for your loved ones when you\u2019re no longer around. And it doesn\u2019t have to be complicated. Everything starts with a proper Will or Wasiat instrument- that\u2019s the most basic, most important first step. No Will, no clarity\u2026 just confusion, arguments, and stress for the people you leave behind.<\/p>\n At Maybank Trustees Berhad, our goal is to humanise this whole process \u2014 make it less intimidating, more affordable, and actually useful for everyday Malaysians. We\u2019re here to help you plan with confidence, clarity, and a lot of care.\u201d<\/p>\n Dato\u2019 Nor Fazlina\u00a0Mohd\u00a0Ghouse, CEO of Maybank Trustees Berhad<\/p>\n If there\u2019s a takeaway to this article, it\u2019s that inheritance stuff is a lot more complicated than it looks like at first glance, so it\u2019s probably best to not wait until you\u2019re dying to start thinking about it.\u00a0<\/p>\n Before we bid adieu\u2026 Maybank Trustees is offering 20% off for Cilisos readers on all packages for their Will and Wasiat Writing Services* from now til 30 November 2025. You can find out more by checking out this website!<\/a><\/p>\n As usual, as thanks for reading this article to the very end, here are some interesting stats from the survey that we didn\u2019t include above.<\/p>\n Most common shocking secrets among respondents include having nasty stuff in their browser history (29.3%), secretly being broke (28.7%), and not being religious (22.5%).<\/p>\n Freedom from bills and responsibilities top the list (40.1%) of things to look forward to when you die. Tough life, huh?<\/p>\n Who do Malaysians trust most to handle their stuff when they\u2019re gone? It\u2019s their spouse or partner, at 57.5%.<\/p>\n Not achieving anything in life is our most popular regret (37.7%), beating out not being in a fulfilling relationship (24.4%) and saving too much money (22%).<\/p>\n When it comes to family members fighting for harta, the most popular suspects among our respondents are their spouse\/partner (20.6%), their mom (15.6%), and their random aunt\/uncle (14.7%).<\/p>\n Business partners (3.4%) and the government or religious authorities (3.5%) are the least trusted entities to handle inheritance.<\/p>\n A business empire (5.5%) is the least likely thing to leave behind among our respondents.<\/p>\n Only 8.1% of our respondents won\u2019t have any regrets if they were to die when answering the survey.<\/p>\n","protected":false},"excerpt":{"rendered":"Have you ever just sat at your desk at work and thought, \u201cMan, if only some long-lost uncle…\n","protected":false},"author":2,"featured_media":261988,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,99,186,184,185],"class_list":{"0":"post-261987","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-au","9":"tag-australia","10":"tag-business","11":"tag-finance","12":"tag-personal-finance","13":"tag-personalfinance"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/261987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=261987"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/261987\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/261988"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=261987"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=261987"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=261987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/auction-bid.gif\")
Of course, if you REALLY want that Kepong mansion, you can just buy it at the auction la.<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/icegif-1737.gif\")
Artistic rendering of your bank accounts after your death.<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/no.gif\")
<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/MTB_NOR-FAZLINA-BINTI-MOHD-GHOUSE-972x1024.jpeg\")
Dato\u2019 Nor Fazlina\u00a0Mohd\u00a0Ghouse, CEO of Maybank Trustees Berhad<\/p>\n
But here\u2019s what many people don\u2019t realise \u2014 this account isn\u2019t just helpful after death. It also kicks in if you suddenly lose mental capacity during your lifetime. So whether it\u2019s a tragic accident or age-related decline, this proposed solution helps ensure your loved ones aren\u2019t left financially stuck when you\u2019re unable to act.\u201d<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/1-1024x576.jpg\")
<\/a>Sign up for the Early Access Pilot Program here<\/a><\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/sdf.gif\")
Our son running out of the funeral home be like<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/spongebob-squarepants-spongebob.gif\")
That feeling when someone made YOU their EPF nominee. <\/p>\n![\"\"\/](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/AD_4nXeiblqEn80CMJ6fvi_Tx0S-_VC_sUe1XN6aXCSYrEhcIGUwSmm5gEAOGeyyU5wwRKIVuSsC3BckcKPcMDRHAoCQ31Tb7Vag.png\")
Timeline for non-nominees. Image from EPF<\/a>.<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/davy-jones-you-have-a-debt-to-pay.gif\")
Not just because your dad owed Davy Jones, either.<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/happy-dance.gif\")
Unlike this house, real houses \u2013 like all movable and immovable assets \u2013 fall under the Small Estates (Distribution) Act 1955. If the value of any asset in the estate (either movable or immovable or both) is below RM5 million, it falls under the Small Estate category.<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/old-boomer.gif\")
The cost of owning multiple high end properties.<\/p>\n![\"\"\/](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/1762261298_86_giphy.gif\")
When your BFF named you as their executor to mess with you one last time. GIF from GIPHY<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/the-goon-nothing.gif\")
Nothing but headaches!<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/Screenshot-2025-07-24-191450.png\")
It goes on for a few more lines. Read the full version here<\/a>.<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/Screenshot-2025-07-24-185850.png\")
Wah. Img by Malaysian Financial Planning Council, taken from iProperty<\/a>.<\/p>\n![\"\"](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/0e4d080c5f1a736e739e6fdf21515945.gif\")
Watch your back!<\/p>\n![\"Safeguard](\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2025\/11\/2-1024x576.jpg\")
<\/a>Click here to find out more<\/a>. *Applies to all packages where Maybank Trustees is the appointed executor.\u00a0T&C\u00a0Apply.<\/p>\n