Yes, cow. So are genuine leather products..

any official source for this?
kekwa, ini speculation

My concern is dividend how? All 3 accounts same?

You already answered yourself. Topkek.

They already renamed them to Account Retirement, Account Sejahtera, Account Flexible. Which is quite clear.

Wait, you know that Acc 3 can be withdraw for whatever reason. Right?

A1 - withdraw due to explicit circumstances.
A2 - withdraw due to specific need, requires approval.
A3 - withdraw minimum RM50 anytime. no need someone to approve.

If you look more closely, account 3 IS necessary. Think of this way... if you can withdraw anytime.... people will start withdrawing like crazy and then account 2 would be empty in no time. You can try to put a condition that you must have a minimum amount inside, but what IS the minimum? RM 10? 100? 1000?

By creating account 3, basically you can withdraw all without any conditions.

Different functionality

Because account 1 money cannot be withdraw unless very specific circumstances (death, retirement, etc)

Account 2 was made so we could withdraw the money for certain purpose. Since account 2 was for the purpose of withdrawing money, let people withdraw from account 2 lor.

Why need account 3?

So ifon sales naik again ar after this?

I saw in fb someone attended the briefing with EPF, got ppl asking the rate she said all 3 acc same rate

IMO, if account 3 same dividend as account 1 and 2, what is the point of account 3 then?

Just make it easier to withdraw from account 2 then (like you can withdraw x% from account 2 once a year etc)

Ok time to withdraw and but in AHB or Tabung Haji.. higher dividen without need for zakat deduction

I saw in fb someone attended the briefing with EPF, got ppl asking the rate she said all 3 acc same rate

ASB and Tabung Haji return how many %?

Why not switch to EPF syariah account?
:thumbsup:

AHB not ASB.. AHB is 2.5% every 6 Month.. so 5% a year. Tabung Haji is 3.1% annually.

EPF syariah havent potong 2.5% zakat yet off whatever dividens you are getting

oh amanah hartanah bumiputra

let say EPF dividend is 6%, after zakat should be effectively 5.85%?

Kalau takut, keluarkan duit from acc 3 cepat2 self contribute dalam kwsp balik. Pusing2 sampai acc 3 RM0

For self contribution, it would be better if EPF let people choose which acct they can choose to self contrubute

Example if I want to save money in EPF but choose Acct 3 to save

If EPF let people do this, I will dump all my KDI saving, Touch N Go money to EPF

No need to put in other platforms