不厌其烦再谈EPF公积金《自我个人缴存》 Self Contribution 投资！

　　EPF公积金会员除了每月公司扣缴EPF外，另外也可以通过网上银行《自我个人缴存》公积金，这个《自我个人缴存》叫做 Self Contribution／Caruman Pilihan Sendiri　。

　　春耕夏耘，秋收冬藏！一般上华人有存钱的习惯，主要是因为祖辈的生活每年都有冬天！若沒存糧如何过冬呢？

　　若能养成每月多存数百元进EPF，一般打工仔不必等到60岁退休前就有百万存款，甚至二百或三百万，这是主要因为利滾利，当存款达到100千时，就能感觉到复利的爆发力！

　　假设EPF年利息6%，72法则每12年翻一倍，存100千，36年就变成800千，复利告诉我们存钱趁早，投资趁早！

　　有朋友告诉我，与其留现金财产给孩子，倒不如把现金财产留在孩子EPF, 也让孩子见证复利的力量！你认为呢？

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EPF官网 有详细的解说 Self Contribution，谁要帮忙无偿帮忙翻译成中文，如下：https://www.kwsp.gov.my/…/contribution/self-contribution

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Self Contribution　

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The EPF contribution is not limited to those required under the EPF Act 1991. Voluntary participation of those who are not covered under the EPF Act is strongly encouraged. Furthermore, it is an advantage to have savings set aside for your future retirement.

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Malaysian citizenEPF- registered memberRegistered EPF member

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Payment through internet banking, cash, bank draft or cheque.－－－－－－－－－－－

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Minimum (RM only)No

limitMaximum (RM only)RM60,000 yearly for all Voluntary Contribution(Self Contribution, i-Saraan, i-Suri, Top-up Savings Contribution – effective January 2013)

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Is Self Contribution open to all?

Self Contribution is open to all Malaysian citizens who have registered as EPF members.

I am an expatriate/foreign worker with a Malaysian work permit, can I do Self Contribution?

No, you can’t.

Can I make Self Contribution if I am not a member?

No, you must register as an EPF member before making Self Contribution.

Can I make Self Contribution without filling a form?

Yes, you can make a contribution via internet banking.

If I am a salaried employee, can I still make a Self Contribution?

Yes, you can.

Can I make a Voluntary Contribution via Maybank2u?

Yes. You can make a Voluntary Contribution via Maybank2u.