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[Tempatan] KWSP: 54 peratus pencarum berumur 54 tahun ke atas, caruman bawah RM50,000. Hints apa pulak kali ni

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Author: R2D2       Show all posts   Read mode

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Post time 25-9-2020 11:27 PM | Show all posts |Read mode
EPF: Over 50pc contributors above 54 have savings of below RM50,000
Friday, 25 Sep 2020 10:27 PM MYT

KUALA LUMPUR, Sept 25 As many as 54 per cent of Employees Provident Fund (EPF) contributors aged 54 have savings of less than RM50,000 for retirement.

EPF Operations Division Deputy Chief Executive Officer, Datuk Mohd Naim Daruwish said in total, only 34 percent of EPF active contributors reached the level of basic savings by age.

To date the EPF has 14.6 million active contributors and 530,000 employers with a total managed fund of RM940 billion.

The basic savings set by the EPF is RM240,000 because the average life expectancy of the people of this country has now increased to 75 years and generally the people will go through a relatively long retirement period of around 20 years, based on the retirement age of 55 years.

This situation is worrying and is likely to become more serious in the future and may have a negative impact on the well-being of the people and a burden to the government, he said when addressing the state Financial Well-Being and i-Suri Incentive Programme here today.

The programme was launched by Chief Minister Datuk Seri Sulaiman Md Ali.

Mohd Naim said among the factors that caused the contributors savings to be low was due to poor financial literacy among the people, which is around 36 percent, compared to other countries such as Singapore at 59 percent and Myanmar, 52 percent.

As such he said, the EPF encourages more people, especially the self-employed, such as online entreprenuers and e-hailing drivers to register under the EPFs voluntary retirement savings programme, (i-Saraan) to ensure their future, especially during their retirement period.

He said until last June, only 255,958 people from all over the country had registered under i-Saraan.

i-Saraan is a government initiative to ensure that the self-employed have savings when they reach retirement age by making payments or contributions voluntarily according to their ability and not exceeding RM60,000 per year. Bernama

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Post time 25-9-2020 11:57 PM From the mobile phone | Show all posts
I-Saraan.. Aku nak cari la tentang i-Saraan..
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 Author| Post time 26-9-2020 12:30 AM | Show all posts
KWSP: Lebih 50 peratus umur 54 tahun simpan kurang RM50,000
| | 25 September 2020
Sebanyak 54 peratus pencarum KWSP berumur 54 tahun mempunyai simpanan yang kurang daripada RM50,000 bagi menampung kehidupan mereka selepas bersara.

ALOR GAJAH - Sebanyak 54 peratus pencarum Kumpulan Wang Simpanan Pekerja (KWSP) berumur 54 tahun mempunyai simpanan yang kurang daripada RM50,000 bagi menampung kehidupan mereka selepas bersara.

Timbalan Ketua Pegawai Eksekutif Bahagian Operasi KWSP, Datuk Mohd Naim Daruwish berkata, secara keseluruhan hanya 34 peratus pencarum aktif KWSP mencapai tahap simpanan asas mengikut umur.

"Sehingga kini KWSP mempunyai 14.6 juta pencarum aktif dan 530,000 majikan dengan jumlah dana yang diuruskan sebanyak RM940 bilion.

Simpanan asas yang ditetapkan KWSP adalah RM240,000 kerana purata jangka hayat rakyat negara ini kini meningkat kepada 75 tahun dan secara amnya rakyat akan mengharungi tempoh persaraan yang agak lama iaitu sekitar 20 tahun, berdasarkan umur persaraan kebanyakannya berusia 55 tahun.

Keadaan ini membimbangkan dan berkemungkinan menjadi lebih serius pada masa akan datang sekali gus memberi kesan negatif kepada kesejahteraan hidup rakyat dan membebankan kerajaan, katanya.
Sulaiman (kanan) mendengar penerangan daripada Pengarah Pembangunan Negeri Melaka, Mohamad Azhar (dua dari kanan) ketika melawat ruang pameran selepas merasmikan Program Financial Well Being dan Pelancaran Insentif i-Suri Peringkat Negeri Melaka hari ini. - Foto Bernama
Sulaiman (kanan) mendengar penerangan daripada Pengarah Pembangunan Negeri Melaka, Mohamad Azhar (dua dari kanan) ketika melawat ruang pameran selepas merasmikan Program Financial Well Being dan Pelancaran Insentif i-Suri Peringkat Negeri Melaka hari ini. - Foto Bernama

Beliau berkata demikian ketika berucap pada Program Financial Well-Being dan Insentif i-Suri Peringkat negeri Melaka yang dirasmikan Ketua Menteri, Datuk Seri Sulaiman Md Ali di sini hari ini.

Menurutnya, antara faktor menyebabkan simpanan pencarum masih kurang ialah tahap literasi kewangan dalam kalangan rakyat masih rendah dan agak membimbangkan iaitu sekitar 36 peratus berbanding negara lain seperti Singapura pada kadar 59 peratus dan Myanmar 52 peratus.

"Kita menggalakkan lebih ramai rakyat terutama golongan bekerja sendiri, seperti peniaga dalam talian dan pemandu e-hailing berdaftar di bawah Program Caruman Sukarela Insentif Persaraan (i-Saraan) bagi menjamin masa depan terutamanya sepanjang persaraan mereka.

"Sehingga Jun lepas, hanya 255,958 individu dari seluruh negara telah berdaftar di bawah i-Saraan," katanya.

i-Saraan adalah inisiatif kerajaan untuk memastikan golongan bekerja sendiri mempunyai simpanan apabila mencapai umur persaraan dengan membuat bayaran atau caruman secara sukarela mengikut kemampuan dan tidak melebihi RM60,000 setahun. - Bernama
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Post time 26-9-2020 01:20 AM From the mobile phone | Show all posts
Akak suka i-Lestari, dapat shopping emas
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Post time 26-9-2020 01:29 AM From the mobile phone | Show all posts
Dah gaji seciput,nak suruh ada ratus2 k.
Ko ingat makan gaji marhaen ni macam gaji menteri ke?
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Post time 26-9-2020 01:40 AM From the mobile phone | Show all posts
The problem is, tangga gaji yg lahanat. Xtau di mana silapnya, tngga gaji stagnant since 10-15 thn yg lepas. Sapa ada rezeki keje luar negara, baik stay luar. Yg plan nk ank, xpyh la reramai. Graduan terlampau ramai tp peluang keje sgt3 sikit. Another 10-20years mgkin dgree holder rm1.5k je. In 2010 fresh grad dgree dpt 1.6k, now dah 2020 dpt la 1.8k. Ni bidang sains. Mmg susah sgt nak dpt starting 2.5k. Kalau dpt, x ramai n kenaikan tahunan pulak mcm haram.

Rumah 2010 200k boleh merasa landed house lg sekitar selangor. Fast forward 2020, kurang2 450k landed houses. Tp gaji naik 200 je. Tahunan naik dlm rm100. Kwsp sikit, nak bising pulak.
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Post time 26-9-2020 06:24 AM From the mobile phone | Show all posts
anony-mous replied at 26-9-2020 01:40 AM
The problem is, tangga gaji yg lahanat. Xtau di mana silapnya, tngga gaji stagnant since 10-15 thn y ...

CAkap pasal rumah ni ....lagi kesian tengok yg nk beli rumah....akak sebagai agen property sekarang ni tengok yg datang nk beli rumah ni rata2 gaji mmg kesian tapi ada hati nk beli rumah 500k. ..campur gaji laki bini baru ngam2 tapi komitmen lain depa x fikir ke apa. ...boleh hidup ke...bank lulus ke x fikir. ....
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Post time 26-9-2020 06:31 AM | Show all posts
Edited by AbukRokok at 26-9-2020 06:32 AM
noor2 replied at 26-9-2020 06:24 AM
CAkap pasal rumah ni ....lagi kesian tengok yg nk beli rumah....akak sebagai agen property sekaran ...

gaji 2500 ada hati nak rumah baru 500k

xnk kalah lifestyle harus dijaga
rumah pprt xnk xselamat dan dikutuk acik forum



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Post time 26-9-2020 06:54 AM From the mobile phone | Show all posts
AbukRokok replied at 26-9-2020 06:31 AM
gaji 2500 ada hati nak rumah baru 500k

xnk kalah lifestyle harus dijaga

YA Allah. ..betul sangat...bila tanya gaji. ...mmg dalam around tu Abuk. ...
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Post time 26-9-2020 06:56 AM From the mobile phone | Show all posts
Duit epf tinggal sikit sebab keluarkan akaun ke 2 buat byr ptptn, beli rumah/renovate rumah, tanggung pengajian anak kot.. tu sebab nampak sikit. Tambah2 lagi gaji naik sikit.. sekali keluar akaun 2 plak puluh2 ribu..
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Post time 26-9-2020 07:26 AM From the mobile phone | Show all posts
noor2 replied at 26-9-2020 06:54 AM
YA Allah. ..betul sangat...bila tanya gaji. ...mmg dalam around tu Abuk. ...

Serious la? Ngam ngam bayar instalment je tu.. iols last year baru berani beli rumah 500k, tapi fikir 10x before proceed.. risau tak mampu je teruskan kelangsungan hidup
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Post time 26-9-2020 07:32 AM From the mobile phone | Show all posts
prizadane replied at 26-9-2020 07:26 AM
Serious la? Ngam ngam bayar instalment je tu.. iols last year baru berani beli rumah 500k, tapi fi ...

SEbab rumah tu siap 2023. ....cuma bayar booking dulu rm500 dan bulan2 untuk progress pun ratus2 sebulan. ...belum kena bayar betul2 lagi. ...tapi tunggu dulu keputusan loan. ..
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Post time 26-9-2020 07:51 AM | Show all posts
noor2 replied at 26-9-2020 07:32 AM
SEbab rumah tu siap 2023. ....cuma bayar booking dulu rm500 dan bulan2 untuk progress pun ratus2 s ...

better nasehat dia tggu tahun depan beli rumah timbang kilo

value jatuh terjelepuk dengan  rumah iols sekali terjelepuk

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Post time 26-9-2020 08:01 AM From the mobile phone | Show all posts
AbukRokok replied at 26-9-2020 07:51 AM
better nasehat dia tggu tahun depan beli rumah timbang kilo

value jatuh terjelepuk dengan ...

Uols nk beli rumah X. ...jom jumpa akak kat sales galeri. ...ada apartment dlm 300k++...untuk bumi banyak diskaun tau....siap 2023. ...area puncak alam. .booking cuma rm200. ....rumah cantik luas tau....dalam 900++ kaki persegi. ...
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Post time 26-9-2020 08:31 AM From the mobile phone | Show all posts
Harga rumah xmsk akal. Keluasan kecil harga melampau.
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Post time 26-9-2020 08:37 AM | Show all posts
noor2 replied at 26-9-2020 08:01 AM
Uols nk beli rumah X. ...jom jumpa akak kat sales galeri. ...ada apartment dlm 300k++...untuk bumi ...

ala puncak alam jauhnya di penghujung alam semesta
ada duplex dual key murmur ke? skrg kan harga tgh menuju jatuh terjelepuk


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Post time 26-9-2020 08:39 AM | Show all posts
dah gaji ciput
epf pun ciput la
xboleh fikir ke
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Post time 26-9-2020 08:52 AM From the mobile phone | Show all posts
AbukRokok replied at 26-9-2020 08:37 AM
ala puncak alam jauhnya di penghujung alam semesta
ada duplex dual key murmur ke? skrg kan har ...

CYberjaya pun ada...kalau nak hehe....

Ni kalau Abuk tengah cari rumah la. ..boleh buat pelaburan juga....atau ada kawan2. ..yg nk beli rumah ...hehe
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Post time 26-9-2020 09:23 AM From the mobile phone | Show all posts
noor2 replied at 26-9-2020 06:24 AM
CAkap pasal rumah ni ....lagi kesian tengok yg nk beli rumah....akak sebagai agen property sekaran ...

Sis.. my prop agent friend kata approval rate by the banks is 17%, is this true?

N loan pun susah dah at 90% katanya.. or if the 17% is referring to 90% loan

If mintak 70 % ke 80% lg senang dapat? Percentage wise?

Thankssss

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Post time 26-9-2020 09:26 AM From the mobile phone | Show all posts
anony-mous replied at 26-9-2020 01:40 AM
The problem is, tangga gaji yg lahanat. Xtau di mana silapnya, tngga gaji stagnant since 10-15 thn y ...

No need to wait 10-15 years sis

Skang pun ada fresh grad dpt byk tu je.. sbb supply > demand.. ramai grad tanam anggur.. dr xkeja, grab je apa yg ada...
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