.In Malaysia, individuals who do not have a pension or retirement savings may face financial challenges during their retirement years. Without a pension or savings, they may rely on other sources of income or assistance to meet their financial needs. Here are some possible scenarios for individuals without a pension in Malaysia:

1. Reliance on EPF Withdrawal: The Employees Provident Fund (EPF) is a mandatory savings scheme in Malaysia, and individuals who have made contributions to EPF throughout their working years can withdraw a portion of their savings upon reaching the eligible age. Those without a pension may rely on EPF withdrawal as a source of retirement income.

2. Personal Savings: Individuals without a pension may need to rely on their personal savings, if they have managed to accumulate savings over the course of their working years. Personal savings can provide a financial cushion during retirement.

3. Family Support: In some cases, individuals without a pension may rely on their family for financial support during their retirement years. Children or other family members may provide financial assistance to help cover living expenses.

4. Government Assistance: The Malaysian government provides various social assistance programs aimed at supporting low-income individuals, including senior citizens. These programs include financial aid, healthcare support, and welfare benefits. Individuals without a pension may be eligible for these programs based on their income and other criteria.

5. Part-time Work: Some individuals without a pension may choose to continue working part-time or take up jobs during their retirement years to supplement their income. This can help them meet their financial needs and maintain a certain standard of living.

It's important for individuals to plan for retirement and consider options for building a retirement fund, such as participating in voluntary savings schemes or investing in other financial instruments. Seeking advice from financial advisors or retirement planning experts can provide guidance on managing finances during retirement.

Please note that the availability and effectiveness of specific support options may vary, and it's advisable to consult relevant authorities or financial professionals for the most up-to-date and accurate information based on individual circumstances.