Bicara Jutawan

Banyak boleh keluar ni, hati hatilah menggunakannya

EPF to start ’em young on investments

KUALA LUMPUR: Beginning Feb 1, younger Employees Provident Fund (EPF) contributors will be able to make withdrawals from their accounts for investment.

This is under the EPF's new “Beyond Savings” scheme where members can withdraw a portion of their savings from their Account One that is in excess of a “basic savings,” which varies according to age.

This basic amount increases according to the age of the contributor and would ensure that he had at least RM120,000 by age 55, said EPF organisational development division head Hizwani Hassan.

Under the new scheme, contributors can withdraw at least RM1,000 and up to 20% of the excess amount once every three months.

For example, the basic savings amount for a contributor aged 25 is RM9,000 while a person aged 35 must have at least RM29,000 before he can make a withdrawal.

Currently, members can invest 20% of the excess of RM55,000 in Account 1. This scheme will be scrapped on Feb 1.

“The amount of savings put aside in Account 1 progressively at various pre-determined age levels is to enable members to accumulate the minimum savings that will enable them to reap RM500 a month for 20 years (after retirement),” said Hizwani.

For an employee to achieve the RM120,000 basic savings, it is estimated that an 18-year-old, at current contribution rates, will have to earn at least RM444 a month with a 3% yearly increment and at 4% annual EPF dividend, he said.

By Feb 1, 1.76 million contributors will be eligible to invest RM23bil from Account 1, compared to 850,000 people who are eligible to invest RM96bil currently.

Meanwhile, from Feb 1, about 150,000 employees aged between 55 and 75 will have to make mandatory EPF contributions.

EPF deputy CEO Ibrahim Taib said that the new ruling was introduced in view of Malaysians living longer and to encourage those above 55 to continue working.

Under the scheme, employees will contribute 5.5% and employers 6%, he said at the EPF headquarters here yesterday, adding that employees can also opt to contribute more.

Currently, contributions from those aged 55 and above are voluntary, and the amount is agreed upon between employers and employees.

Those who fail to contribute will be liable to three years' jail and can be fined up to RM10,000 or both under the EPF Act, Ibrahim said.

For non-citizens aged 55 to 75 who chose to contribute after Aug 1, 1998, the rate is 5.5%, while employers pay RM5 a month.

As of Dec 31 last year, there were 5.57 million EPF contributors and 144,467 were between 55 and 75 years old, said Ibrahim.

abis la.. dah ler simpanan sikit, duit pencen wajib pun boleh bawak kuar..

nasib baik aku keje gomen, xde carum kwsp.. ade ler akaun cuma tunggu masa nak kuarkan semua..hee.. pokcik kayo....

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Dari Semua Untuk Semua Kepada Semua,
www.adrianiamri.blogspot.com

Sekadar Pandangan tentang duit....
www.nasihatkewangan.blogspot.com

aku dengar ...untuk skim 2 yg boleh keluar duit KWSP untuk bayar installment rumah tu...kwsp bayar ke akaun kita yerr....so up to kita untuk bayar ke bank (lender rumah) atau tuju ke arah lain (investment lah)...

terpikir gak aku...kalau betul...aku ingat nak gak kuarkan duit kwsp akaun 2 aku tu...even dia bagi up to max. monthly installment rumah...tetapi ia akan bagi keluar sampai lah habis akaun 2 tu...huhuhu..banyak gak tu.....plan nyer cam nie..

cth:

kata lah KWSP bank in ke akaun bank (saving) setiap 10hb RM800.....aku buat lah SI untuk terus dump ke ASB pada 15HB......selepas setahun...ASB aku akan bertambah RM9.6K....kalau KWSP bagi 5.8%...ASb busuk2 leh bagi 8%....heehehe...lebih menguntungkan..dan lebih cair (stand by utk grap lain2 peluang yg lalu depan mata) dari KWSP tu....eeemmm...tapi kena displin dan ingat lah...itu wang...pencen baru boleh pakai.....walau apa pun terjadi kecuali dah nazak dah....apa pendapat u all????

aku pun planning nak kuarkan.. baik aku kuarkan dan simpan ke asb bagi asb aku penuh. aku pikir, aku ni dah ada beberapa komitmen besar, cam rumah ada 3 bijik, keta nak masuk2 bijik, simpanan reserved memang le ade, tapi kot2 sangkut gak, kena gak carik lubang lain. kalau dah terantuk esok baru sibuk2 nak kuar kan duit epf, terlambat lak nanti, so baik aku kuar2 siap2, letak dalam asb. tapi, yang penting nafsu tu kena kawal, kalau tak abis duit tu sekelip mata.

Aku rasa KWSP takle "bongok" sangat nak bagi kita duit tu. Dia orang mungkin ada cara utk trace mana duit tu pergi (melainkan ada loophole yg dia orang tak perasan). Kena ingat menyalahguna pengeluaran kita boleh dikenakan tindakan dari KWSP (yg aku baca kat web KWSP... www.kwsp.gov.my).

salam tjbumi,

Tahun 2006 saya pernah keluarkan duit kwsp dua kali, dari akaun saya dan isteri.

Keduanya utk deposit rumah (kami beli 2 rumah).

Kwsp bankkan terus dalam personal account kami - bukan terus ke pemaju/penjual.

Masa tu kami dah bayar pun deposit rumah tu, jadi duit keluaran KWSP tu digunakan utk benda lain....

Wallahualam

tjbumi belum ada pengalaman keluarkan duit kwsp lagi. saya pun macam boomerk jugak, baru keluarkan duit kwsp middle of june 2007 sebab beli rumah pertama dan bila monthly repaymnt dah mula nanti, saya akan keluarkan pulak untuk monthly withdrawal. sebenarnya itulah tujuan kwsp, nak suruh kita keluarkan dan berbelanja, daripada duit tu tersimpan dalam kwsp tak bergerak. cara perbelanjaan tu terpulangla pada kita, sama ada nak bayar ansuran rumah, atau nak simpan, atau nak belanja. yang penting, kita ada HL yang aktif atas nama kita, kita boleh keluarkan.

A'kum... Memang best la boleh letak duit EPF ni kat tempat lain. Tapi, dalam banyak-banyak Unit Trust yang ada, Equity lah, Balance lah, Bond lah, kat mana yang paling bagus nak letak duit EPF ni eh? Patut letak kat Aggresive ke Conservative fund ke? Ada sesapa yang boleh share?

*tak sabo nak melabur ni*

makbudak,

yg terbaik adalah dana yang menepati objektif pelaburan diri sendiri.

aggresive fund mmg ada potensi utk untung lebih besar, tapi risikonya juga lebih besar. bond fund pula, untung lebih kecil, tetapi risikonya lebih kecil.

what's your investment objective?

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bagus tu keluar kan epf... saving kat asbb...
cuma satu jee ... kalau korang tak lehg nak controll .... duit asb bebila masa leh keluar .. takde orang nak larangg ...... sama ada duitt tu sempatt utk hari tua kita.. atau pun dah abiss duluu ...hehehe.....nie hari tua kita nyesalll .. kenapa lah keluar kan duit epff... tgk orang lain dapat bykk dalam akaun epff... kita lakk gigit jari..

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