From my understanding...

Once you're employed & there employer contribution. You're not qualified for i-saraan.

Want to go around.

Can use your option 3.
By not contribute to EPF totally... Do self contribution. But it's against the law..

Just refer to that scenario ....
Employer are required to contribute and deduct employee's portion of that kwsp and submit to kwsp

If Employee receives that extra 11% from the company, ...that would increase the net income of that employee, thus may lead to more income taxes

I deposited using epf app fpx fr Ocbc SA at 8pm 30Jan and 4pm+ 31Jan, both recorded as same day transactions n counted in January 2024 contribution.

Aiyah tested it also u all want to achi-acho, the last one only 2k lah. I think using app transaction is recorded instantaneously without human involvement lah. All 4 deposits I did on 28, 29, 30 n 31st treated the same way. The previous app is T+1. If system down u shuai loh.

I also not suggest/encourage ppl must do it last minute, just that when u some how must do it, then use the NEW app for instant credit.

the last part about epf div until 75 was true previous. That was shared by a old ex-colleague of mine long ago.

so I suspect the age limit was decided based on the average longevity of malaysians back then.
I guess the ones in charge wanted to be kind and changed the age for div but forgot or ignore the contribution age.

But I am sure in 2030s, there will be those healthy enough and wish to work in their 70s.
(politicians all can work way past 70s, cannot be they are the only special breed rite? haha)

I've deposited X amount on 25 Feb 09:02PM , and X amount on 26 Feb 10:00AM. Only the deposit on 25 Feb is reflected in my Account 1/2.

Hopefully the amount deposited on 26 Feb would be reflected tomorrow so that I can get the full interest for the month of March onwards.

i just self contributed via app just now.

do you think it will reflect on the 29th.

i think yes...

i am late to the party, didnt realize 100k is allowed now, just topup and reflected in 2 days, very efficient woh.

i wish they allow more 😂

This what S&P 500 Shariah consists of
https://www.spglobal.com/spdji/en/indices/e...iah-index/#data

I am trying to see whether people unhappy is because lower conventional or because higher shariah. Many ppl unhappy because high shahriah rate, therefore it seems if conventional is higher they don’t care if shahriah rate is high but now it’s not happening that way, deswai some are not happy with 5.5%

I contribute at 29/2 i can view in the apps that i contribute the amount.

waifu surprised me today.... 75% salary cut straight masuk epf... hahaha

If you withdraw before dividend is declared after calender year normally period Jan- Feb, it would include min  interim dividend of 2.5% even for full account closure withdrawal.

Withdrawal on 31 Dec or before will not be entitle for dividend on that same calender year.

That's my understanding when reading how dividend is calculated...

What's your opinion?? Your understanding on the dividend calculation??

Same or differ

in my example above

impossible that RM100k  sitting in EPF for 11 month 30days gets ZERO interest

i think that 100k would get full dividend 5.5% for 11month and 30days,
no interst only after he has withdrawn it

Ohh really

EPF CS told me...

As long you gets employer contribution... Even for 1 month...
Your i-saraan status cancel...

let me help them:
1. if employer contribution > 0 within the same year then cancel i-saraan status, else keep it till the next year, repeat the same logic every year

done!

I-saraan RM500 has been reflected in the account. Go check.

One thing the person didn't mention......

On March 2024, he / she register back i-saraan & self contribute  till June..

Thus qualify for rm500  for contribution made from January to June accumulated 😎

For those that had experienced success and are confidence of the long term growth of their holdings of etfs, they would say, 3334 every year for 10 years would hv reaped more, plus no (35 years) lock in period and no lost of purchasing power from the depreciating of MYR