beLIEve,
1.)I want counting the date and time of i-Akaun appear money, because the appear mean below
if appear in 1 Feb 2020 whole Feb enjoy the monthly interest.
if appear in 31 Jan 2020 lose 1 day interest, but after this Feb and all month enjoy interest.
if appear in 2 Feb 2020 lose whole Feb month interest, but after this, Mac and all month enjoy interest.
Above I right or not?

2.)If every month no top up, but have balance in EPF, this is not complicated counting and use the calculation(Base on counting others, the counting more complicated than above EPF, the results can call very absolutely not wrong count, even of 1 cent), but why use the same counting, the results of above EPF each account can less RM 0.02.
You self do a counting?
You have above situation or not?
I don't know where my wrong, so can use explain why like that?
Above look like not above rounding, I use .00 or .0000 also same, I just curios why like that only?
Thank you.

Thank you for your reply, so no brain ask again, I worry not clear.
That's mean want before 1 Feb 2020 saw the i-Akaun amount appear, that mean safe date is 31 Jan 2020 or before 31 Jan 2020 saw the i-Akaun amount appear, if the 1 Feb 2020 saw ready too late.

I need counting 3 days more, that's mean 25 Jan 2020 bank in, then make sure 31 Jan 2020 saw the amount in i-Akaun, I can assumed the Feb and all months enjoy interest?

Thank you for your wrote above before, if not saw your wrote, I though the EPF counting dairy no need full month also can, now thank you for your reply too.

Thank you for answer.

1.)I also test, but I thought you better counting 3 days, because I find LOWYAT preview post, the KWSP reply the forumer answer is 3 days. One day I can't and you want remember 3 days fall on business day or not, so if ok give 5 days, better lose whole month interest if you put big sum. Others about EPF you should self check to consider your situation.

2.)Others start balance and ??? amount monthly I still not learn and try how to count, so I don't know. Below this example very simply, just start balance and without monthly, so just use the amount * day/day * interest * 100 like that. Another way is use start balance counting every month, the results is same, but when compared with EPF result each account less RM 0.02. I find Internet post, if I not wrong 2008 year some also have this question. Another Internet counting have example shown EPF give more cents. They wrote rounding problem, but feeling weird.

I guess not rounding problem, maybe the EPF member pass away, the help RM 2500, so depend the yearly situation, if many apply less RM 0.02, less apply less RM 0.01, use this support? but EPF news wrote this RM 2500 is EPF money and EPF want give help, if nobody apply also give back all EPF member, so I don't know.

Ok is ok, just for math only, don't know how to count, if counting wrong, this is mean I no brain don't know how to count can assumed wrong count. Math or account want match result. My count not same result of true EPF result, so not beauty count page shown, so if all counting also each account +- RM 0.02, so maybe I'll give up find above answer and follow EPF result then thought how to beauty count page. Beauty the count page just for hobby like that.

1.)One year can RM60K, but I don't know want "your salary + self contribution = RM60K" -> This is want you ask and wrote here told back, if you want share info.

Now you not eligible of self contribution without intensif, so free use what bank, if this bank connect with EPF, so your situation use CIMB no problem. You also can OTC, but some bank will charge you.
If not wrong, only Maybank and Public bank if you self contribution with intensif, others bank only one choice, this is call "self contribution", so when you pay to EPF, then wait 3 days, you check your account, you can saw 70% money in Akaun 1 and 30% in Akaun 2.

You can filled form if for every month your salary want paid more % for your salary, this is not call "self contribution".
If you consider put RM60K, you no want take risk top up more than RM60K per year, so the 1.) you need ask.

Other questions about EPF you can consider self ask.

You so talent brain. I worry I not understand, so what you think, I feeling like below. Do you think, I can get and fully understand what you want inform of your situation? Thank you.

Before year 2019 any date you contribute max RM60K in EPF.
Now, you wish fully get 12 months dividend of year 2020, but if in 01 Dec 2019 - 29 Dec 2019 you contribute again RM60K, so total in year 2019 is RM120K.
This is ready broken the EPF rules 1 year cannot max RM60K?

Cause above, now, for safe reason, you plan bank in on 31 Dec 2019, then wait 2 days appeared in I-Akuan, so the date is 2 Jan 2020.
This is mean in year 2019 you not broken the rules, but you can make sure the money appeared in EPF is ready on year 2020, so
a.)You only unable get Jan 2020 whole month dividen, because date fall on 2rd Jan 2020, no 1st Jan 2020.
b.)Also mean in future 01 Jan 2020 - 30 Dec 2020 you unable contribution any money in EPF account.
c.)If you want repeat your step, next year when 31 Dec 2020 you contribution max RM60K again.

Combined all, so for new start and want plan of future is like below?
1.)Must need follow the EPF rules, so if you wish in year 2020 can get whole year 12 months fully dividen, can consider full max the EPF RM60K in 01 Dec 2019 - 29 Dec 2019.
2.)Then year 2019 ready max RM60K, wait till 01 Dec 2020 - 29 Dec 2020 repeat above step and this is for next year 2021...
3.)If you self contribute in 01 Dec 2019 - 29 Dec 2019, above still count in year 2019, so you ready contribute RM60k you can get max RM250 bonus dividen of year 2019, but only no dividen(6%) can get on year 2019, then RM60K dividen start get on year 2020 Jan - end
4.)If you in year 2020 not contribute any money, this is also mean in year 2020 you unable get max RM250 bonus dividen of year 2020, but can get dividen(6%) till end.

2 is nd, not rd, I wrote wrong.

a.)You only unable get Jan 2020 whole month dividen, because date fall on 2nd Jan 2020, no 1st Jan 2020.

Thank you for your reply. Sorry, my standard like that, I also don't know how, so want you take time read and make me understand.

No matter saving account or others low interest, why you not consider put in EPF on 28 Jan 2020 ?
If you choice the date 31 Dec 2019, then fall on 2 Jan 2020, also cannot get EPF Jan 2020 dividen.
If you choice 30 Dec 2019, maybe fall on 1 Jan 2020(I not sure EPF count the time or not, another reason is I think you risk of broken RM60K rules.)
So, you consider wait 31 Dec 2019 till 28 Jan 2020, at this range date RM60K put in saving account or others still can earn some interest.

The KWSP answers is
"payment was made" within 1st January 2020 until 31th January 2020.
if you wish to get dividend for 2020, you may contribute "any day in December 2019".

Above I confuse "payment was made" but still not appear in I-akaun, this is how to count.
"any day in December 2019", this is also meaning the last day 31 also can bank in, the problem still "payment was made" but not appear in I-akaun, how.

(I assumed if all mistake before.)
If "payment was made" no need appear in I-akaun, then "payment was made on 31 Dec 2019" you maybe broken the RM60K rules.

If your situation, I feeling you can consider put on 28 Jan 2020. Why you prefer 30 Dec 2019?
If new start, I get the conclusion is the money in I-akaun want sit on end of the month, this is can first day month with time 00:00 get full month dividen.
(The is depend EPF "payment was made with no need appear in I-akaun" vs "payment was made and need appear in I-akaun", impact bank in on last day of month or early date of month.)
(Honestly, I only ask you, so I believe you, if you never ask KWSP about "vs" question, this is my curious why you not prefer put on any date of Jan 2020? Put on 31 Dec 2019 maybe broken the RM60K rules, no EPF dividen on Jan 2020 too and wait late put on EPF can earn some interest in saving account.)

Yes, I feeling above really aggressive, but near not lost 28 days interest. You sure high than me, can you teach me again? What I wrote you can see where wrong? Thank you.

Sorry, my bad English and others, I still cannot get. You willing wrote some again. Thank you.

If I'm same shoe, year 2019 max RM60K, then if wish get Year 2020 EPF dividen, the date I'll choice is end of Jan 2020.
Base on 3 reason.
a.)Worry broken RM60K rules
b.)No dividen on Jan 2020
c.)28 days can earn some interest in saving account

Really no brain?
What I wrote, if my situation same, I consider do like above.
OMG, I really very no brain, I unable know above where wrong, can you please like that?

You really have a care heart, so responsibility and thank you for your reply.

Your QUOTE before
the dividend calculation for the contribution is based on one day for the contribution month. For example: January 2020 contribution and the payment was made within 1st January 2020 until 31th January 2020, dividend calculation is calculated as one day.
if you wish to get dividend for 2020, you may contribute any day in December 2019.

I read again, I think above sentences if mean you can contribute in last day(no need wait amount appeared in I-Akuan) also can get next month whole dividen.

I hope I can get accuracy answer, but I try get from you. You confirmed want wait or not?
Thant's mean if you end of Jan 2020 to deposit, the date you'll choice 28 Jan 2020 or 31 Jan 2020?

If last day through online bank pay to EPF no need count transfer time, this is much more easy and sure. You know?
Thank you.

May I know, if EPF date reflected on 1 April is count dividend from 1 April or 1 May?
Thanks.

Thanks for your reply.

May I know where you get answer?

Why EPF date reflected on 1 April 2021, "EPF caruman date" is wrote "Apr 2021"?
others after 1 April 2021, "EPF caruman date" is wrote "May 2021"?

I guess is
"EPF caruman date" is wrote "Apr 2021" this is mean start from "1 Apr" count dividend.
"EPF caruman date" is wrote "May 2021" this is mean start from "1 May" count dividend.
Do you think above right or wrong?

Thanks for your reply.

Yes.

Cause mistake and very small amount only, but just curios.

Amount reflected on 1 March 2021 but "EPF caruman date" wrote "March 2021", don't know 01 - 31 March get dividend or not?

Yes.

If the EPF wrote "May 2021", then sure, but only first of the month will wrote "Apr 2021". Cause the amount too small, I also unable count it. Just like that.

Thanks all.

Alway thanks mum mum.

Only can accept fact, no.

I think just like others, first of month is trade day, now only can assumed EPF not like that.

Thanks.