What is the Employees Provident Fund (EPF)? 何为雇员公积金 (EPF)?
What is the Employees Provident Fund (EPF)?
The Employees Provident Fund (EPF) is a social security institution established under the Employees Provident Fund Act 1991 in Malaysia. It efficiently and reliably manages savings to provide members with financial security upon retirement.
🔹 Purpose:
✔️ Ensures employees have sufficient retirement savings
✔️ Provides a structured framework for employers’ statutory and ethical responsibilities
🔹 EPF Contribution Rates (as of current regulations):
📌 Employees earning RM5,000 & below
• Employee Contribution: 11%
• Employer Contribution: 13%
📌 Employees earning above RM5,000
• Employee Contribution: 11%
• Employer Contribution: 12%
EPF contributions are deducted monthly based on employees’ salaries and credited into their individual EPF accounts.
何为雇员公积金 (EPF)?
雇员公积金 (EPF) 是根据马来西亚法律1991年雇员公积金法案成立的社会保障机构。通过高效和可靠的方式管理储蓄，为会员提供退休金。雇员公积金（EPF）亦为雇主提供一个对雇员的法定与道德义务的框架。
所有的公积金(EPF)缴纳会存入会员的个人户口。缴纳金额是根据员工的月工资计算的。缴纳率可能会随着收到的薪水变动。薪资少于RM5,000及以下者，雇员缴费的比例为11%，而雇主缴费的比例为13%。薪资超过RM5,000者，雇员缴费的比例保持不变为11%，但是雇主缴费的比例改为12%。
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