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 EPF - self contribution, need advise

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crab hammer
post Oct 4 2025, 02:32 PM

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QUOTE(theevilman1909 @ Oct 4 2025, 03:26 PM)
not yet. should be end of this month

refer to POST #5493 for Dates of crediting of i-saraan incentive
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thanks bro for info thumbup.gif thumbup.gif thumbsup.gif thumbsup.gif
poooky
post Oct 6 2025, 06:03 PM

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Anyone receive the RM500 yet? I deposited end of June, but still nothing.

Also, anyone got news on how much tax relief this year for voluntary contribution? still RM7K or will increase thinking of deposit remainder end of this month.
Wedchar2912
post Oct 6 2025, 06:51 PM

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QUOTE(poooky @ Oct 6 2025, 06:03 PM)
Anyone receive the RM500 yet? I deposited end of June, but still nothing.

Also, anyone got news on how much tax relief this year for voluntary contribution? still RM7K or will increase thinking of deposit remainder end of this month.
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nope... still waiting... could be Nov only receive... who knows.
nexona88
post Oct 6 2025, 08:20 PM

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Probably too much application to vett???

To make sure only those really qualify is given that rm500.....

From the looks of it... It's highly possible we could only get the $$$ end of November.... But I hoping by end of this October month 🙏
Wedchar2912
post Oct 6 2025, 08:26 PM

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QUOTE(nexona88 @ Oct 6 2025, 08:20 PM)
Probably too much application to vett???

To make sure only those really qualify is given that rm500.....

From the looks of it... It's highly possible we could only get the $$$ end of November.... But I hoping by end of this October month 🙏
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hmmmm.... maybe what my friend said in one of our idle talk cock session.. got some sense.... gov want to see how many use up the mykasih... then only give i-saraan... if until now still no use mykasih means the person don't really need help from gov...

hmm.gif
nexona88
post Oct 6 2025, 09:28 PM

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QUOTE(Wedchar2912 @ Oct 6 2025, 08:26 PM)
hmmmm.... maybe what my friend said in one of our idle talk cock session.. got some sense.... gov want to see how many use up the mykasih... then only give i-saraan... if until now still no use mykasih means the person don't really need help from gov...

hmm.gif
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Hmmm....

I don't think mykasih usage as consideration.....

They must be facing backlog from LHDN.... Since they're quite busy checking everything.... Many files being open up .. too much kopi tea sessions going on face to face 😁
sweetpea123
post Oct 7 2025, 12:55 AM

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QUOTE(theevilman1909 @ Sep 15 2025, 03:23 PM)
i-Saraan incentive payout dates

For Contribution from January to June Only


2019: 13/09/2019

2020: 24/09/2020

2021: 08/09/2021

2022: 19/09/2022

2023: 23/11/2023

2024: 28/08/2024

2025: ???????
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huh, meaning those who contributed AFTER June 2025 will only get next year? Anyway, quite new to this i-saraan thingy cos only collected once although I am already old....hahaha. Anyway, I deposited in Feb 2025 without specifying deposit meant for i-saraan. My account is listed as i-saraan though, so I am trying to see if I can get it. If cannot, I will shed some tears. tongue.gif tongue.gif
theevilman1909
post Oct 7 2025, 12:53 PM

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QUOTE(sweetpea123 @ Oct 7 2025, 12:55 AM)
huh, meaning those who contributed AFTER June 2025 will only get next year? Anyway, quite new to this i-saraan thingy cos only collected once although I am already old....hahaha. Anyway, I deposited in Feb 2025 without specifying deposit meant for i-saraan. My account is listed as i-saraan though, so I am trying to see if I can get it. If cannot, I will shed some tears.  tongue.gif  tongue.gif
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Yes. It's would be given in March the next year for contribution made after June.

There should be no issues getting incentive if you fulfill all criteria set by EPF
furuku89
post Oct 7 2025, 11:08 PM

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I’m not sure when the new “Auto Tambah” feature was launched, but I noticed that it doesn’t seem to share the same quota as personal top ups. Can anyone verify this?

I’m trying to max out my EPF contributions:
- Personal contribution limit: RM100,000
- Auto Tambah limit: RM100,000

So does that mean the total possible contribution is RM200,000?
soul78
post Oct 7 2025, 11:15 PM

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user posted image
furuku89
post Oct 7 2025, 11:25 PM

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QUOTE(soul78 @ Oct 7 2025, 11:15 PM)
user posted image
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Thanks! I didn’t read it properly earlier. I got excited when I saw two different figures and thought they were showing separate remaining quotas.
BenChiew
post Oct 8 2025, 02:45 AM

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QUOTE(furuku89 @ Oct 7 2025, 11:08 PM)
user posted image
user posted image

I’m not sure when the new “Auto Tambah” feature was launched, but I noticed that it doesn’t seem to share the same quota as personal top ups. Can anyone verify this?

I’m trying to max out my EPF contributions:
- Personal contribution limit: RM100,000
- Auto Tambah limit: RM100,000

So does that mean the total possible contribution is RM200,000?
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Looks deceiving to show you still have 100k.

BenChiew
post Oct 8 2025, 02:55 AM

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QUOTE(sweetpea123 @ Oct 7 2025, 12:55 AM)
huh, meaning those who contributed AFTER June 2025 will only get next year? Anyway, quite new to this i-saraan thingy cos only collected once although I am already old....hahaha. Anyway, I deposited in Feb 2025 without specifying deposit meant for i-saraan. My account is listed as i-saraan though, so I am trying to see if I can get it. If cannot, I will shed some tears.  tongue.gif  tongue.gif
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Both my kids deposited earlier than June 2025 haven’t gotten theirs yet.

This post has been edited by BenChiew: Oct 8 2025, 02:55 AM
nexona88
post Oct 8 2025, 09:47 AM

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QUOTE(BenChiew @ Oct 8 2025, 02:55 AM)
Both my kids deposited earlier than June 2025 haven’t gotten theirs yet.
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I think should be month end...

Or like in 2023 - November only gets the $$$
Wedchar2912
post Oct 8 2025, 12:16 PM

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QUOTE(BenChiew @ Oct 8 2025, 02:55 AM)
Both my kids deposited earlier than June 2025 haven’t gotten theirs yet.
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my nephews and nieces deposited back during CNY also no.

guess everyone waiting...
BenChiew
post Oct 8 2025, 11:00 PM

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QUOTE(Wedchar2912 @ Oct 8 2025, 12:16 PM)
my nephews and nieces deposited back during CNY also no.

guess everyone waiting...
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Hopefully they will put it in soon. Am using EPF to teach and inculcate a savings habit for my teenage kids. Start them early, make them see the benefits and let the power of compounding effect do its job. Equally important, I am making sure they know EPF is called retirement money. Not let’s buy a house money, not let’s gets a new car money. Or lets go for a holiday money.

This post has been edited by BenChiew: Oct 8 2025, 11:01 PM
soul78
post Oct 8 2025, 11:06 PM

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Remember formula ... save rm700 for 40 yrs... = 1mil...

want 2mil... just save 1400 for 40yrs..

but alot fuark up itchy fingers take money out for house etc...

MUM
post Oct 8 2025, 11:15 PM

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Remember to think about the lost of purchasing power after 40 yrs.
The purchasing power of that 1 mil or 2 mil 40 yrs later will definitely be much lesser than the 1 or 2 mil NOW.

a house purchased at the right location and at the right price NOW will most probably appreciate in value or increases the purchasing power 40 yrs later.

This post has been edited by MUM: Oct 8 2025, 11:16 PM
virtualgay
post Oct 8 2025, 11:21 PM

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QUOTE(soul78 @ Oct 8 2025, 11:06 PM)
Remember formula ... save rm700 for 40 yrs... = 1mil...

want 2mil... just save 1400 for 40yrs..

but alot fuark up itchy fingers take money out for house etc...
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with interest of 5.5% you only to save 500 per month for 40 years
guy3288
post Oct 8 2025, 11:23 PM

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QUOTE(MUM @ Oct 8 2025, 11:15 PM)
Remember to think about the lost of purchasing power after 40 yrs.
The purchasing power of that 1 mil or 2 mil 40 yrs later will definitely be much lesser than the 1 or 2 mil NOW.

a house purchased at the right location and at the right price NOW will most probably appreciate in value or increases the purchasing power 40 yrs later.
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buy properties thumbup.gif got rental got price appreciation

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