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 EPF - self contribution, need advise

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Blue07
post Oct 28 2025, 11:50 AM

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QUOTE(nexona88 @ Oct 27 2025, 09:20 PM)
As long your profile page in kwsp i-akaun got written "i-saraan"...

And

Just need make sure the age limit & No employers contribution credited monthly....

Good to go 😁
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I deposited in March 2025. Under my profile>account details>product, it states "i-saraan". But under savings>view details, the amount I deposited in March 2025 is listed as "voluntary contribution". I thought I selected i-saraan when I made the deposit via maybank but now I can't remember. Will I still get the incentive ah?
nexona88
post Oct 28 2025, 12:12 PM

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QUOTE(Blue07 @ Oct 28 2025, 11:50 AM)
I deposited in March 2025. Under my profile>account details>product, it states "i-saraan". But under savings>view details, the amount I deposited in March 2025 is listed as "voluntary contribution". I thought I selected i-saraan when I made the deposit via maybank but now I can't remember. Will I still get the incentive ah?
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You need to download the statement... Then you can see the real thing.... I meant the i-saraan contribution listed...

So far, only those deposit in January & February already gotten their $$$.... March to rest of the year is anyone guess... Normally January to June contribution would be getting their $$$ same time.... But this year it's little different....
Blue07
post Oct 28 2025, 01:10 PM

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QUOTE(nexona88 @ Oct 28 2025, 12:12 PM)
You need to download the statement... Then you can see the real thing.... I meant the i-saraan contribution listed...

So far, only those deposit in January & February already gotten their $$$.... March to rest of the year is anyone guess... Normally January to June contribution would be getting their $$$ same time.... But this year it's little different....
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thanks! ok got! aiseh they should state "i-saraan" in the "view details" of the savings section instead of just "voluntary contribution". make ppl kalut only

This post has been edited by Blue07: Oct 28 2025, 01:13 PM
nexona88
post Oct 28 2025, 02:07 PM

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QUOTE(Blue07 @ Oct 28 2025, 01:10 PM)
thanks! ok got! aiseh they should state "i-saraan" in the "view details" of the savings section instead of just "voluntary contribution". make ppl kalut only
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Personally I prefer the old i-akaun kwsp....

The contribution is stated clearly.... It's i-saraan or normal self contribution....

But this EPF forced everyone to the new system @ i-akaun....
MGM
post Oct 28 2025, 05:55 PM

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QUOTE(nexona88 @ Oct 28 2025, 12:12 PM)
You need to download the statement... Then you can see the real thing.... I meant the i-saraan contribution listed...

So far, only those deposit in January & February already gotten their $$$.... March to rest of the year is anyone guess... Normally January to June contribution would be getting their $$$ same time.... But this year it's little different....
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U mean under TRANSAKSI description must be "i-SARAAN" not "Bayaran Caruman Pilihan Sendiri"?

user posted image

This post has been edited by MGM: Oct 28 2025, 05:59 PM
nexona88
post Oct 28 2025, 07:51 PM

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QUOTE(MGM @ Oct 28 2025, 05:55 PM)
U mean under TRANSAKSI description must be "i-SARAAN" not "Bayaran Caruman Pilihan Sendiri"?

user posted image
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Something like this below (this one is old i-akaun, but the description is written like that)... New i-akaun also need to have like the wording in the transaction statement....

user posted image
BenChiew
post Oct 28 2025, 07:55 PM

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QUOTE(nexona88 @ Oct 28 2025, 12:12 PM)
You need to download the statement... Then you can see the real thing.... I meant the i-saraan contribution listed...

So far, only those deposit in January & February already gotten their $$$.... March to rest of the year is anyone guess... Normally January to June contribution would be getting their $$$ same time.... But this year it's little different....
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I concur with your observation. Wonder when will they pay for contributions from March onwards.
nexona88
post Oct 28 2025, 08:00 PM

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QUOTE(BenChiew @ Oct 28 2025, 07:55 PM)
I concur with your observation. Wonder when will they pay for contributions from March onwards.
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Anyone guess... Next month or year end...

This new payout thingy also some of us cannot accept....

Suddenly they changed overnight..... Until now, there's no official statement on this??
ltpg
post Oct 29 2025, 08:53 AM

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QUOTE(nexona88 @ Oct 28 2025, 08:00 PM)
Anyone guess... Next month or year end...

This new payout thingy also some of us cannot accept....

Suddenly they changed overnight..... Until now, there's no official statement on this??
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deposited on april, still nothing
nexona88
post Oct 29 2025, 10:09 AM

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QUOTE(ltpg @ Oct 29 2025, 08:53 AM)
deposited on april, still nothing
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Only those deposit in January & February gotten their rm500 or partly (if didn't deposit rm2500)...

March to June payout is anyone guess when....

I see news portal yesterday saying i-saraan contribution $$$ this year spike over 70% from 2024....
BboyDora
post Oct 29 2025, 10:58 AM

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QUOTE(theberry @ Oct 26 2025, 03:36 PM)
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gashout
post Oct 30 2025, 03:54 PM

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https://theedgemalaysia.com/node/775787

MOF: Top-up savings from EPF members hit RM14.13b in first eight months of 2025

KUALA LUMPUR (Oct 28): The Employees Provident Fund (EPF) has collected a total of RM14.13 billion in top-up savings from members from January to August this year, the Ministry of Finance (MOF) said.

These additional, voluntary contributions came from 1.12 million members, according to the MOF in a written parliamentary reply on Tuesday.

Under a scheme introduced on June 1, 2023, EPF members are allowed to top up their retirement savings with as much as RM100,000 annually as part of the government’s efforts to encourage Malaysians to boost their retirement savings. EPF members were previously allowed to add up to RM60,000 only.

The MOF was responding to questions from Bukit Gantang MP Datuk Syed Abu Hussin Hafiz Syed Abdul Fasal, who had asked about the government’s plans to encourage more Malaysians to open EPF accounts and benefit from its high dividends.

The ministry said it had implemented several initiatives and enhancements under Budget 2025 to strengthen retirement savings, including expanding voluntary contribution schemes and increasing matching incentives.

Among the measures introduced was an improvement to the i-Saraan programme, with the government’s matching incentive raised from 15% to 20%, capped at RM500 a year and RM5,000 lifetime per individual.

β€œIn the first half of 2025, i-Saraan recorded total contributions of RM2.8 billion from 487,375 members, up 74% from RM1.6 billion and a 48% increase in membership compared with the same period last year,” the MOF said.

The ministry added that the i-Suri programme, which offers a 50% government matching incentive capped at RM300 a year and RM3,000 lifetime, will continue in 2025 for housewives under 55 years old registered in the e-Kasih database.

Meanwhile, under the i-Sayang programme, husbands can voluntarily contribute 2% of their monthly EPF (employee share) savings into their wives’ accounts. As of August 2025, a total of 158,000 husbands had participated, involving RM309.4 million in contributions.

Additionally, 227,000 EPF members who are employed have opted to contribute more than the statutory employee contribution rate of 11%, further strengthening their retirement savings, the MOF said.





MGM
post Oct 30 2025, 04:05 PM

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QUOTE(nexona88 @ Oct 28 2025, 07:51 PM)
Something like this below (this one is old i-akaun, but the description is written like that)... New i-akaun also need to have like the wording in the transaction statement....

user posted image
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What is the sure way to pay epf n get i-saraan?
nexona88
post Oct 30 2025, 05:28 PM

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QUOTE(MGM @ Oct 30 2025, 04:05 PM)
What is the sure way to pay epf n get i-saraan?
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First thing first... Need to make sure you qualify first... All in website for details....

To get "i-saraan" in your deposit details.... We need to use the banking apps / website method.... Where can pick i-saraan category.... Using i-akaun kwsp method cannot pick....

Ohh before I forget....
Your profile page in i-akaun kwsp also need to write "i-saraan"....

This post has been edited by nexona88: Oct 30 2025, 05:29 PM
MGM
post Oct 30 2025, 05:34 PM

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QUOTE(nexona88 @ Oct 30 2025, 05:28 PM)
First thing first... Need to make sure you qualify first... All in website for details....

To get "i-saraan" in your deposit details.... We need to use the banking apps / website method.... Where can pick i-saraan category.... Using i-akaun kwsp method cannot pick....

Ohh before I forget....
Your profile page in i-akaun kwsp also need to write "i-saraan"....
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Profile stated i-saraan, previously use KWSP iAkaun to pay 97k.
Luckily leave 3k balance unpaid, will use Maybank2u for this. Thanks
theevilman1909
post Oct 30 2025, 06:22 PM

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β€œIn the first half of 2025, i-Saraan recorded total contributions of RM2.8 billion from 487,375 members, up 74% from RM1.6 billion and a 48% increase in membership compared with the same period last year,” the MOF said.[/QUOTE]

one of the reasons why there's delay in payment of i-saraan incentive for first half 2025?? confused.gif
nexona88
post Oct 30 2025, 07:46 PM

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QUOTE(MGM @ Oct 30 2025, 05:34 PM)
Profile stated i-saraan, previously use KWSP iAkaun to pay 97k.
Luckily leave 3k balance unpaid, will use Maybank2u for this. Thanks
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Some are saying as long have i-saraan on profile page.... Guaranteed to get rm500?? Even if you don't pick i-saraan in banking apps or using kwsp i-akaun....

πŸ€”πŸ§


magika
post Oct 30 2025, 09:52 PM

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QUOTE(nexona88 @ Oct 30 2025, 07:46 PM)
Some are saying as long have i-saraan on profile page.... Guaranteed to get rm500??  Even if you don't pick i-saraan in banking apps or using kwsp i-akaun....

πŸ€”πŸ§
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Yes that's true. I tried it once with apps and once with Maybank2u. If profile has i- saraan, sure get.

nexona88
post Oct 30 2025, 10:22 PM

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QUOTE(magika @ Oct 30 2025, 09:52 PM)
Yes that's true. I tried it once with apps and once with Maybank2u. If profile has i- saraan, sure get.
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Good to know...

But some are worried if there's sudden changes....

Like this year payout.... From first half normally become first 2 month contribution counted only....

You never know.....
ornehx
post Nov 2 2025, 04:29 PM

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After the news of World Bank 70 years old recommendation, are you guys spooked out of doing out monthly self contribution?

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