Just sharing the logic.

What a member elect is not the actual contribution rate, but the additional top up rate. Ie, if a member elect 10%, then the full contribution rate by employee will be 10% + whatever the statutory rate is by gov.

Surprisingly (or not), those who has opt for voluntary excess contribution are not affected during that period. Let's presume I opt for 20% employee, it just keeps deducting 20% without me opt in or out.

How I know ? Cause I've been contributing extra for so many years and I track my EPF.

So for those employed and don't want to be bothered by opt in/out, just try employee at maybe 15% which won't have much monetary impact for the additional 4%
If gungho, go for 80% 
Err... no. See above reply. Also you need to enter that exact employee % figure in that Borang KWSP 17A, not top up rate.

By right employer cannot "decide" for employee....the reduction to 9% is by law and its employee's own decision whether to maintain at 11%or not, if want to maintain at 11%, your employer will give you a form to sign on it and employer will submit the form to EPF as proof to maintain.

But well all is past tense already lol

Anyone know how to use Maybank to do EPF contrition? I can't find the option on MAE

for EPF contribution
if the mandatory contribution by employer employee has exceeded 100k,
can we put in the money via voluntary contribution? --- meaning another 100k under the category of voluntary contribution.

or the total inflow capped @ 100k per year?

The withdrawal amount will the taken from Account 2 and will be placed into a Special Account for your monthly loan instalment payment and its dividend will be credited into your Account 2 after the yearly dividend declaration
From my understanding is that the money will move to a special account for monthly installments , but will the fund in the special account still calculate for dividend or not ?

That where my doubt arises...

How EPF know which is which??
Let say, u got i-saraan, i-suri & even that account 1 additional contribution.... So totally 3 under your account....

EPF rule says everything combined is 100k limit...

🤔

If all the contribution goes to correct place.
Then good 👍
Respect with EPF efficient system 👌

So it meant they can "auto" direct your self contribution to the "right" channel for the you?

What if,
I had been receiving monthly employer contribution but I had just become unemployed and I now do self contribution...
If "auto" by kwsp, then my self contribution  will not be channel to I saraan or approve my I sarran as in kwsp record I had been getting contribution from employment?

This is implying "auto".?

Another scenario of what if,
I sarran had been approved due to prolonged unemployment..but I just got employed again 2 weeks ago. I do self contribution, ...kwsp will channel my self contribution to I saraan even I am employed?

I update by selecting normal self contribution, ...but they clever clever auto chanel it to I saraan ..how ?
Later kena viral if found out that employed still get I saraan  or kena go to kwsp for kopi session if they found out during audit...ha ha

Just a what if scenario, ...nothing serious on my side.

Got form to use to cancel I saraan?

Why should I contact them when it is their cleverness that do auto channelling of my self contribution?

I deposit my self contribution, they do the auto channeling without asking " where to"?

BTW, top up parent kwsp is considered as self contribution by the son too?

not so stupid question - can we request our majikan to potong like 25% instead of 13% from our salary for EPF contribution? Since i am 51 right now i want to force myself to save more. any idea?

Did KWSP web had a new UI? it looks different to me from the last I logged in, maybe last week. And now, self contribution can also be done via web and I remembered it can only be done via apps only. I cannot see anything on my investment related account?

The more you put in KWSP via employee contribution the less tax you pay correct ?

55 is the retirement age.

Is there any different self contribute and extra deduction by hr?

What the max?