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Not saying you are wrong, sometimes getting too big can itself be a problem, more difficult to perform at its best.

From history ...

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I have not updated my spreadsheet for the past few years. Too lazy to do it now. So just used the data I have.

Historical trend is no guarantee but it is a good indicator, predictor.

But hope I am wrong this time.

Epf does not take into account unrealised capital gains for dividend distribution. So while Malaysian govt bond prices have gone up nicely last year (about 9% based on abfmy) , it will not matter to epf dividend unless epf sells the bonds. And usually, AFAIK, epf keep bonds for the long haul.

+ Pakatan Harapan (PH) presidential council meeting on Friday (Feb 21).

Hoping for double GOOD news!

Reason for delay in announcement...

If bad dividend scenario, all ministries passing the buck, nobody wants to be messenger. End up, KWSP ceo does it.

If great dividend scenario, everyone wants to present. End up, PM does it.

anyone here contribute more than 11% ?

what is the highest % here ?

epf only up to 6k is tax free right?  that's only 500 per month

Sure bor....?
Where you pluck the 4k thingy?

no and no.

Your payslip, if done correctly, will have 2 columns for you. 1 for statutory and 1 for variable.

You are to submit the form, not your HR. Print out the Form 17 AHL, fill it, get payroll (or your manager) to sign, company stamp, submit to EPF, get EPF photocopy, EPF stamp photocopy, submit to payroll.

if a company go belly-up before settling EPF:
https://asklegal.my/p/company-bankrupt-owe-...-corporate-veil
--snippet--
Other laws and (possibly) lawsuits
Other than the Companies Act, there are various other laws that specifically allow for the directors of the company to be personally liable for certain debts of the company. Two prominent and good examples of this are the Employees Provident Fund Act 1991 (“EPF Act”) and the Income Tax Act 1967 (“ITA”).

Section 46 of the EPF Act makes the directors of the company jointly and severally liable for the company’s unpaid EPF contributions. Similarly, section 75A of the ITA provides that where any tax is due and payable under the ITA by a company, any person who is a director of that company during the period in which that tax is liable to be paid, shall be jointly and severally liable for such tax that is due and payable. “Director” in section 75A has a special definition i.e. someone who is occupying the position of director (by whatever name called and includes any person who is concerned in the management of the company's business) and either directly or indirectly has control of not less than 20% of the ordinary share capital of the company.

The rationale behind this is that the separate legal entity / limited liability concept should not be used as a shield to evade liability towards employees and the tax authority.

One interesting issue is whether a director can be held personally liable for tortious acts (e.g. negligence or defamation) committed in the course of acting as director on behalf of the company. A tort is essentially a legal right to sue someone for a wrong-doing, even though the parties may not have any contractual relationship between them.

https://www.thestar.com.my/opinion/letters/...-their-epf-duty
They must ensure that mandatory EPF contributions for their employees are made in a timely manner.

This is crucial because company directors are jointly and severally liable should the company fail to remit EPF contributions. 

PS: Of course one can argue, what if directors also bankrupt?
By then, personally, i think it's beyond finger pointing liao. While i'm an employee/worker-ant only, i do sympathize with businesses where the owners/directors do their best to keep the biz going not only for themselves but also for their employees. They take on the risks & stress..