from the moment i first started working at the age of 24yo. my mom already told me to self contribute 16% of my salary. my first paycheck was rm3500... so thats 560/month

recently i bought a house. at the age of 28yo. my account balance is 77k. to ease the burden of monthly installments i changed my contributions to a measely 11%. i was tempted on taking the 9% minimum but i have a feeling its too small of an amount. now at a paycheck of 6555 my contribution is 721.

oh i also have 250k on the side in my asnb 140k loan + 110k (my mom injected bit by bit from since i was a baby + my own contributions)
hopefully i dont fuck up

Yes, you can choose more than that.

Fill up this form

PILIHAN CARUMAN LEBIH
Your employer / HR needs to sign it. Best if you take the initiative yourself and sent it to EPF , and they will give you an acknowledge form. Give the acknowledgement form to your HR, EPF will contact your HR , and usually they will start deducting in 1 or 2 months time.

If I remember correctly , the maximum contribution is 50% (or 55% ? ) of your gross salary.  So if your employer is paying 13%, you can opt to pay your employee portion up to 37%

Self contribute 16% of his own salary lah. 100% also can. As long per year < RM60k. If you put in more, the money will get tendang balik to your account. LOL.