{"id":218,"date":"2026-11-03T14:47:56","date_gmt":"2026-11-03T14:47:56","guid":{"rendered":"https:\/\/ringgitsihat.my\/uncategorized\/understanding-your-epf-accounts\/"},"modified":"2026-11-03T15:05:21","modified_gmt":"2026-11-03T15:05:21","slug":"understanding-your-epf-accounts","status":"publish","type":"post","link":"https:\/\/ringgitsihat.my\/en\/future-planning\/understanding-your-epf-accounts\/","title":{"rendered":"Understanding Your EPF Accounts"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Every month part of your salary goes into EPF (KWSP). But do you know where it goes and when you can use it?<\/p>\n\n<h2 class=\"wp-block-heading\">How much is contributed?<\/h2>\n\n<p class=\"wp-block-paragraph\">For Malaysian employees under 60, you contribute <strong>11%<\/strong> of wages. Your employer contributes <strong>13%<\/strong> if wages are RM5,000 or below, or <strong>12%<\/strong> above RM5,000.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Three accounts (members under 55)<\/strong> \u2014 contributions received from 11 May 2024 are split:<\/p>\n<div class='table-scroll-container'>\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Account<\/th><th>Contribution section<\/th><th>Usage<\/th><\/tr><\/thead><tbody><tr><td>Retirement Account<\/td><td>75%<\/td><td>Retirement savings can generally be withdrawn at age 55<\/td><\/tr><tr><td>Sejahtera Account<\/td><td>15%<\/td><td>Approved expenditures, such as housing, education, and health<\/td><\/tr><tr><td>Flexible Account<\/td><td>10%<\/td><td>Short-term needs, can be withdrawn at any time (minimum RM50)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">Balances from before 11 May 2024 were not re-split.<\/p>\n\n<h2 class=\"wp-block-heading\">Use Akaun Fleksibel wisely.<\/h2>\n\n<p class=\"wp-block-paragraph\">It\u2019s convenient, but every ringgit withdrawn today loses years of dividends and growth. Treat it as a last layer, not a substitute for your own emergency fund.<\/p>\n\n<h2 class=\"wp-block-heading\">Tips<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>check statements in the official KWSP app or website.<\/li>\n\n\n\n<li>Make sure your employer contributes every month and report it to EPF if not.<\/li>\n\n\n\n<li>Self-employed and gig workers can contribute voluntarily.<\/li>\n<\/ul>\n    <div class=\"ps-key-takeaways\">\n        <h3 class=\"block-title\"><svg class=\" icon icon-lightbulb\" aria-hidden=\"true\" role=\"img\"><use href=\"https:\/\/ringgitsihat.my\/wp-content\/themes\/lab9pro\/assets\/images\/icons.svg#icon-lightbulb\" xlink:href=\"https:\/\/ringgitsihat.my\/wp-content\/themes\/lab9pro\/assets\/images\/icons.svg#icon-lightbulb\"><\/use><\/svg>Key takeaways<\/h3>\n        <ul class=\"wp-block-list\">\n                            <li class=\"benefit-text\">75% retirement, 15% big needs, 10% flexible; don\u2019t drain Akaun Fleksibel without a strong reason.<\/li>\n                    <\/ul>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>How your EPF contributions are split between Akaun Persaraan, Sejahtera and Fleksibel \u2014 and why Akaun Fleksibel isn\u2019t your main emergency fund.<\/p>\n","protected":false},"author":1,"featured_media":219,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-future-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v1 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understanding Your EPF Accounts: Persaraan, Sejahtera and Fleksibel<\/title>\n<meta name=\"description\" content=\"How your EPF contributions are split between Akaun Persaraan, Sejahtera and Fleksibel \u2014 and why 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