My wife is my EPF nominee: does all that money belong to her?

For Muslims, the view of the National Fatwa Committee's Muzakarah is that an EPF nominee acts as an administrator or executor, not an absolute owner. This means the money is part of the estate and must be divided by faraid among all the heirs, including the nominee if they are an heir. If the contributor wants the money to belong to the nominee, there must be another basis such as a valid hibah. In polygyny, naming only one wife does not cancel the rights of the other wives and the children. For certainty, set your nomination choice clearly, make a hibah or will document, and check your state's fatwa because approaches can differ.