EPF - 1Malaysia Retirement Savings Scheme

EPF Rolls Out 1Malaysia Retirement Savings Scheme



Savings Earn Annual Dividends Plus 5% Contribution from Government

Commencing 3 January 2010, the self-employed such as farmers, fishermen and taxi drivers to petty traders and business owners, will have their worst fears on income inadequacy during retirement out-of-the-way when they take advantage of the Employees Provident Fund’s (EPF) latest offering – the 1Malaysia Retirement Savings Scheme.

Announced by the Prime Minister during the 2010 Budget tabling on October 2009, the 1Malaysia Retirement Savings Scheme takes on a socially responsible stance, caring for the welfare of all strata of the self-employed, a significant category of individuals who have no formal retirement savings scheme. It is designed to provide these individuals without a fixed monthly income with a degree of financial security in their old age.

“The Government is sensitive to the fact that adequate retirement savings remains a major concern for all Malaysians and in particular the self-employed, especially those without a fixed monthly salary. The 1Malaysia Retirement Savings Scheme offers this select group of contributors tremendous flexibility in determining how much they could afford to save for their retirement,” said Tan Sri Azlan Zainol, Chief Executive Officer of the EPF.

Unlike the conventional EPF savings scheme, the amount contributed into the 1Malaysia Retirement Savings Scheme is entirely at the contributor’s discretion.

“Contributors can opt to set aside a minimum of RM50 or a maximum of RM5,000 per month as their retirement savings. Contribution is voluntarily and contributors are also not required to contribute savings on a monthly basis but rather what and when they can afford to,” said Tan Sri Azlan.

“Nonetheless, members are encouraged to contribute a sum of money regularly, however small, into the retirement scheme as it is important to have discipline when saving for retirement.”

Savings under this scheme will receive annual dividends declared by the EPF, in addition to a 5 per cent contribution from the Government subjected to a maximum of RM60 per year over the next five years from 2010-2014.

The 1Malaysia Retirement Savings Scheme is open to a range of self-employed individuals such as hawkers, night market traders, real estate agents, freelancers such as disc jockeys and fitness instructors, singers and actors, and online business owners.

Those interested to apply for the scheme can fill in the KWSP 16G(1M) Form which is available at any EPF branches nationwide, or can be downloaded from this website from 3 January 2010 onwards. The forms are to be returned at any EPF branches or by mail.

However, any interested individual who is not yet an EPF member would need to register with the EPF first by completing KWSP 3 Form and submitting it to the EPF before applying for the scheme.

Savings for the scheme can be deposited via cash or cheque using the KWSP 6A(2) Form at any EPF Payment Counters nationwide.

Existing EPF members who turn self-employed are also eligible and may opt for this new scheme.

Savings under the scheme is eligible for withdrawals as governed by present EPF withdrawals’ procedures and conditions.

For more information, please click here or visit the nearest EPF branch or call EPF Call Centre at 03-8922 6000.

About the Employees Provident Fund (EPF)
The Employees Provident Fund (EPF) is Malaysia’s premier pension fund, providing basic financial security for retirement. The Fund is committed to preserving and growing the savings of its members in accordance with best practices in investment and corporate governance. It will always be guided by prudence in its investment decisions.As a customer-focused organization, the EPF delivers efficient and reliable services for the convenience of its members and registered employers. The EPF continues to play a catalytic role in the nation’s economic growth, consistent with its position as a leading savings institution in Malaysia.



Date: 22 December 2009
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Source: http://www.my-hut.com/default2.asp?tree=558
Source:http://www.my-hut.com.my/informationcentre
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枕头要常洗喔 --- 尤其是女孩 !!

枕头不干净，小心侧睡时，家尘入侵耳朵内横行霸道！

一位年轻女子，因严重耳鸣到医院求诊，医师用耳内视镜发现，患者耳朵内有许多

黄色微小颗粒物体在移动，再用放大镜探查，原来有20至

30只寄生虫在耳膜上横行。 台北市中兴医院耳鼻喉科主治医师吴传颂指出，台湾

地狭人稠，处亚热带气候，因此家中的家尘是很重要的过敏源，光是因耳鸣就诊的患者，就约占耳鼻喉科门 诊的 1/10 。

吴传颂说，日前转介的一位年轻女患，到医院求诊时指出，右耳耳鸣，常听到低频 沙沙声，尤其夜深人静时，耳鸣声特别大，自行清理外耳，效果不彰，到门诊拿药，治疗不见起色。 后来用理学检 查显示，患者耳道及耳膜上， 略有耳垢及抓痕，但这些情况，还不至于造成严重耳鸣﹔经耳内视镜一看，

原来有 20 至 30只大小不等，肉眼可看见的寄生虫在耳膜上爬行，根据判断， 者耳鸣的原因，就是这 些虫虫惹的祸。 吴传颂接着说，这位女患留了一头长发，头皮屑较多，显微镜下可看见许多家尘藏在发中，右手还有一些伤痕，而患者有常用竹制挖匙掏耳多习惯，因此耳朵内，可看见些许小伤口，并且也有水分，因为患者表示，不仅常洗头，家里也常打扫，而且不养宠物及接近动物，实在想不出，到 底什么原因让家尘跑进耳朵。

后来患者想起来，自己有侧睡右耳在毛巾枕上的习惯，于是在毛巾枕中的头发 屑，发现许多家尘的踪迹，加上右手伤痕证明，家尘应是由毛巾枕入侵右耳耳膜引 起耳鸣﹔ 后来将患者耳内家尘清除，阻断家尘再度入侵途径，从此不再耳鸣。

他说，璊属蛛型纲，目前已知有 400 种，大小约 0.17 至 0.5 公釐，当温血动物靠近时， 活动性增 强，成群侵袭寄主，粘附在皮肤上取食，但家尘不钻入皮肤，也不吸血，是利用 形成小管道，吸吮液化皮肤组织及淋巴液。

Forwarded by Irene