Behind EPF reduction (Disebalik Pengurangan Potongan EPF)

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sosazr

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Assalamualaikum

It’s sound very nice when the government give permission to reduce EPF contribution lower than 11% currently. Instead, the practice methods is, all the companies have to enforce the employee only contribute 8% and for those employee not interested to reduce have to fill a special form. What’s behind this?:-?

Let assume the income is RM4000 then

If your monthly EPF contribution is 11% ( RM440 ), taxable income = RM3560, income tax payable = RM77.

If your monthly EPF contribution is 8% ( RM320 ), taxable income = RM3680, income tax payable = RM109.:((

What’s the difference? You’re paying RM32 more on tax and you’re less saving for retirement. 3% make a huge difference, it is about RM100 a month, RM1200 a year and RM12000 a decade.:(:)((

On 1st December 2008, EPF will produce a new form for this. Decision is yours!:):)

Wallahua’alam.
 
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sosazr

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Den sanggup lagi potong EPF lebih. Company bagi lebih lagi. Income tax kurang lagi. Baru la menaikkan taraf hidup rakyat. Ni sembang kata turunkan potongan agar rakyat dapat lebih duit utk berbelanja. Belanja depa untung. Tax pulak potong lebih dari pekerja & majikan pun sama la tax lebih. Sape sebenarnya yang senang ni....
 

z3t_ex

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Den sanggup lagi potong EPF lebih. Company bagi lebih lagi. Income tax kurang lagi. Baru la menaikkan taraf hidup rakyat. Ni sembang kata turunkan potongan agar rakyat dapat lebih duit utk berbelanja. Belanja depa untung. Tax pulak potong lebih dari pekerja & majikan pun sama la tax lebih. Sape sebenarnya yang senang ni....
tu la masalah bila org yg tak b'kelayakan utk pegang portfolio mcm nie ..
main hentam jer buat..
janji kona..~X(~X(
 

sosazr

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tu la masalah bila org yg tak b'kelayakan utk pegang portfolio mcm nie ..
main hentam jer buat..
janji kona..~X(~X(
Biasanya pihak atasan dah letak target. Jadi yang kena buat portfolio tu kena pcah kepala la asal boleh kona. Kalau tak cecah lutut, cecah hidung. Bab nak kona statement kasi kat orang atas la. Sebab ramai pengikut yang akan sokong.
 

ammal07

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Assalamualaikum

It’s sound very nice when the government give permission to reduce EPF contribution lower than 11% currently. Instead, the practice methods is, all the companies have to enforce the employee only contribute 8% and for those employee not interested to reduce have to fill a special form. What’s behind this?:-?

Let assume the income is RM4000 then

If your monthly EPF contribution is 11% ( RM440 ), taxable income = RM3560, income tax payable = RM77.

If your monthly EPF contribution is 8% ( RM320 ), taxable income = RM3680, income tax payable = RM109.:((

What’s the difference? You’re paying RM32 more on tax and you’re less saving for retirement. 3% make a huge difference, it is about RM100 a month, RM1200 a year and RM12000 a decade.:(:)((

On 1st December 2008, EPF will produce a new form for this. Decision is yours!:):)

Wallahua’alam.
tolonglah kira utk income rm1000 dan rm2000 sekali,..macamana hasilnya,...:D
 

building

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tu la masalah bila org yg tak b'kelayakan utk pegang portfolio mcm nie ..
main hentam jer buat..
janji kona..~X(~X(
bukan janji kona tp janji % nampak cam turun :eek:
dorang pass asas matematik jek
 

otaida00taj

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aku pun tak perasan pasal nie...
kalu gaji bawah RM 3,000.00 tak der kesan la..
 
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