Overview Of The EPF
The EPF is a social security institution formed according to the Laws of Malaysia, Employees Provident Fund Act 1991 (Act 452) which provides retirement benefits for members through management of their savings in an efficient and reliable manner. The EPF also provides a convenient framework for employers to meet their statutory and moral obligations to their employees.
Who Are Our Members?
Private and Non-Pensionable Public Sector employees. The EPF, as at September 2013, has a total of 13.81 million members. The total number of active and contributing members is 6.46 million. The total number of active employers is 515,165.
Mandatory Contributions
A contribution constitutes the amount of money credited to members' individual accounts in the EPF. The amount is calculated based on the monthly wages of an employee. Current contribution rate is in accordance with wage/salary received. For employees who receive wages/salary of RM5,000 and below, the portion of employee's contribution is 11% of their monthly salary while the employer contributes 13%. For employees who receive wages/salary exceeding RM5,000 the employee's contribution of 11% remains, while the employer's contribution is 12%.
Investment Allocation
Your monthly contributions are invested in a number of approved financial instruments to generate income. They include Malaysian Government Securities, Money Market Instruments, Loans & Bonds, Equity and Property.
Dividends
The EPF ensures that your savings are secure and receive reasonable dividends. In fact, it guarantees a minimum of 2.5 Per Cent Dividend annually. To ensure dividend payments, the EPF invests your contribution in approved financial instruments for optimum returns.
Dividends are paid annually into your account. The dividend rate declared by the EPF is subject to the returns from investments made in the approved instruments.
Annual Dividends, on the one hand, are calculated based on the opening balance of your savings as at 1 January of each year. Monthly Dividends credited into your account, on the other hand, are based on the monthly contributions received.
Tahun
Caruman Syer Majikan
Caruman Syer Pekerja
Jumlah
1952 - Jun 1975
5%
5%
10%
Jul 1975 - Nov 1980
7%
6%
13%
Dis 1980 - Dis 1992
11%
9%
20%
Jan 1993 - Dis 1995
12%
10%
22%
Jan 1996 - Mac 2001
12%
11%
23%
April 2001- Mac 2002
12%
9%
21%
April 2002 - Mei
2003
12%
11%
23%
Jun 2003 - Mei 2004
12%
9%
21%
Jun 2004 - Dis 2008
12%
11%
23%
Jan 2009 - Dis 2010
12%
8%
20%
Jan 2011 - Dis 2011
12%
11%
23%
Jan 2012 hingga
sekarang
13% @ 12%
11%
24% @ 23%
tertakluk kepada upah/gaji bulanan RM5,000
Download Withdrawal Form to purchase properties, Please click here
EPF Call Centre
Office: 03-89226000
Fax: 03-89226222
Operating Hours
Monday to Friday: 8.00 am to 6.00 pm.
Closed on Saturdays, Sundays and Federal and Selangor Public Holidays.
