aren't this the same as previous years... ? can enlighten ?

Previously only on Caruman KWSP/skim yang diluluskan.

This one can be added to premium insuran nyawa category as well, based on my understanding la.

Hello, I'm new to this thread. Can i ask if this is official info? I always thought EPF dividend is calculated by number of days. If it's true they only calculate from 1 day before last date of the month, then there is no point for me to self contribute early of the month?

I have been self contributing early in the month like 1st or 2nd days... so based on your info, i rugi like 28 days of interest that i could have earn from the bank 😅

Instead of deposit on 1Mar do it on 29Mar or 30Mar? Using EPF app.

Let's say April, which has 30 days. I self contributed rm10k on 1st April but this money isn't earning me any additional EPF dividend since i only need to make sure i have that rm10k on 29th April. Meaning from 1st to 29th April, I could have put that money in TNG Go+ or stashaway simple to earn some additional interest right?

For example : month of June 2023, Transfer the money on 12.01am, 28June, then it will be reflected in your EPF account on 11.50pm, 30 June 2023. (because 29.6.23 is a public holiday)
If you transfer your money on 29 June2023, it will only be credited to your account on 3July 2023, and is considered as July contribution, not  June2023 contribution.

Hope that helps.

Pissing off all the T20 that self contribute to rm100k max and profit indirectly siphoned to help the syariah department.

Plenty of better places to park my fund than continued to be dijajah by this policy

Still pissed 😡😡😡

if you go max RM100k, you can lose RM300++ without counting your days
simply park in KDi first not difficult
Yes imagine how much EPF gained every month...millions of free money in interest loss
whoa inio tak boleh kontrol u better quickly masuk first
bro  you deposited 31.12.24 and captured in EPF as 1.1.25?
isnt that a 1 month loss of interest?
For Jan 2025 EPF would  only pay 1day interest to your money, no?

you advise us to deposit RM100k on last day 31.1.2025???

i wont take the risk, nanti  rugi Rm300+ buta buta

i plan to masuk 27.1.2025

For self contribution I was thinking if someone deposits RM8,333 every last day of the month and then takes it out first day of the month, and for all other days in between keeps it in funds like Rize, Boost or TNG, then essentially they'd enjoy the EPF dividend plus the daily interest outside.

One way to boost the 6% dividend to 9% or so... or an extra RM500 in dividends.

Condition being you have over rm1 million in EPF lah.

8pm - deposited via website, still NOT reflected
8.15pm - tried via app, still NOT reflected

Pop-up receipt says 3 working days. Will update again

caruman sukarela captured as expected
T+3 for 24.1.25 and
T+1 for 27.1.25

deposit on 31.1.25 would not make it

Done deposit 2500 via iAkaun on 29Jan(CNY1), checked on 30Jan evening not reflected in iAkaun yet, checked again on 31Jan 1am the 2500 reflected & credited on 30Jan, so it is t+1 even on CNY holidays.

If not reflected today, you lose whole month of interest because the 1st day of interest would be 28 Feb

Tomorrow morning reflected on the account

With date 31 Jan written

U used iAkaun fpx payment from PBB? I used MBB.

Chill boss...

CNY holiday mood 😊

Lesson learned now. For future reference 😁

Tomorrow morning you update all of us here in lowyat forum 🙏

Told you so...

Because of CNY...
2 days No processing

So the 2 days deposit is counted as 31 Jan contribution

https://theedgemalaysia.com/node/742984

   

Around 70% not withdrawn their account 3 BUT MoF Minister says RM11.6b from Account 3  have been withdrawn as of Nov 27???
https://theedgemalaysia.com/node/737466

anyway, we don't know their backgrounds. maybe they're at the end of their lives due to a disease, so they've decided to use the money now.

As long can self sustained, why not

Life is not just about work.

Hi, what is max % for self elect employee EPF contribution above 11%? Or is there a maximum extra amount?

Note: I already max out 100k per year. Not sure whether this matter.

But realistically Not many people willing to go such high percentage...

Not sustainable....

Around 30% probably got... Here there....

Higher than that, very slim...