{"id":18074,"date":"2023-03-10T02:26:06","date_gmt":"2023-03-09T18:26:06","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/epf-i-sayang-what-you-need-to-know.html"},"modified":"2026-03-26T15:59:32","modified_gmt":"2026-03-26T07:59:32","slug":"epf-i-sayang-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/government-policy\/epf-i-sayang-what-you-need-to-know.html","title":{"rendered":"EPF i-Sayang: What You Need To Know &#038; How To Apply"},"content":{"rendered":"\n<p>Husbands, here\u2019s another way for you to financially support your wife for the future, with i-Sayang! This new financial programme under the Employees Provident Fund (EPF) allows husbands to voluntarily transfer their EPF monthly contributions to their wives EPF accounts for their welfare.&nbsp;<\/p>\n<!--more-->\n<div class=\"hs-embed-wrapper\" data-service=\"instagram\" data-script-embed=\"true\" data-responsive=\"true\" style=\"position: relative; overflow: hidden; width: 100%; height: auto; padding: 0px; max-width: 540px; min-width: 256px; display: block; margin: auto;\"><div class=\"hs-embed-content-wrapper\"><blockquote class=\"instagram-media\" data-instgrm-captioned=\"\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/p\/CphUMhGpaUD\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/p\/CphUMhGpaUD\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\">&nbsp;<\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\">&nbsp;<\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\">&nbsp;<\/div><\/div><\/div><div style=\"padding: 19% 0;\">&nbsp;<\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\"  xmlns_xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\">&nbsp;<\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">View this post on Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\">&nbsp;<\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\">&nbsp;<\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\">&nbsp;<\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\">&nbsp;<\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\">&nbsp;<\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\">&nbsp;<\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\">&nbsp;<\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\">&nbsp;<\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\">&nbsp;<\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\">&nbsp;<\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\">&nbsp;<\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/p\/CphUMhGpaUD\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\">A post shared by Kumpulan Wang Simpanan Pekerja (@kwspmalaysia)<\/a><\/p><\/div><\/blockquote> <script async=\"\" src=\"\/\/www.instagram.com\/embed.js\"><\/script><\/div><\/div>\n<p>&nbsp;<\/p>\n<p>\u201cBy enabling husbands to voluntarily contribute 2% of their EPF monthly contribution, they would encourage their wives to have long-term savings and in addition, gain access to the quality social security and income security currently enjoyed by EPF members,\u201d said EPF Chief Executive Officer, Datuk Seri Amir Hamza Azizan.&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>He continued, \u201cTherefore, the i-Sayang initiative is in line with the government&#8217;s commitment to empower rights and take care of women&#8217;s welfare, in addition to applying family values in line with the concept of Malaysia Madani.\u201d<\/p>\n<p>&nbsp;<\/p>\n<p><strong>But why only 2% contribution?&nbsp;<\/strong><\/p>\n<p>The i-Sayang contribution is limited to 2% after taking into consideration if the husband has 4 wives, to which the total contribution is 8%. Hence, the husband\u2019s remaining employee share will be 3% of the total employee share of 11%.&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>The 2% contribution is set by the government as well, so transferring more than 2% is not allowed.&nbsp;<\/p>\n<div class=\"hs-embed-wrapper\" data-service=\"instagram\" data-script-embed=\"true\" data-responsive=\"true\" style=\"position: relative; overflow: hidden; width: 100%; height: auto; padding: 0px; max-width: 540px; min-width: 256px; display: block; margin: auto;\"><div class=\"hs-embed-content-wrapper\"><blockquote class=\"instagram-media\" data-instgrm-captioned=\"\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/p\/Cpj-oQjSlhm\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/p\/Cpj-oQjSlhm\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\">&nbsp;<\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\">&nbsp;<\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\">&nbsp;<\/div><\/div><\/div><div style=\"padding: 19% 0;\">&nbsp;<\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\"  xmlns_xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\">&nbsp;<\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">View this post on Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\">&nbsp;<\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\">&nbsp;<\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\">&nbsp;<\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\">&nbsp;<\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\">&nbsp;<\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\">&nbsp;<\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\">&nbsp;<\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\">&nbsp;<\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\">&nbsp;<\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\">&nbsp;<\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\">&nbsp;<\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/p\/Cpj-oQjSlhm\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\">A post shared by CompareHero (@comparehero.my)<\/a><\/p><\/div><\/blockquote> <script async=\"\" src=\"\/\/www.instagram.com\/embed.js\"><\/script><\/div><\/div>\n<p>&nbsp;<\/p>\n<p><strong>Eligibility for i-Sayang Programme:&nbsp;<\/strong><\/p>\n<ul style=\"font-size: 18px;\">\n<li style=\"color: #000000;\" aria-level=\"1\">\n<p style=\"font-size: 18px;\"><span style=\"color: #000000;\">The 2% contribution must be applied by the husband to transfer to the wife.&nbsp;<\/span><\/p>\n<\/li>\n<li style=\"color: #000000;\" aria-level=\"1\">\n<p><span style=\"color: #000000;\">Only the wife is entitled to receive the 2% contribution from the husband.&nbsp;<\/span><\/p>\n<\/li>\n<li style=\"color: #000000;\" aria-level=\"1\">\n<p><span style=\"color: #000000;\">Both contributor (husband) and the recipient (wife) must be EPF members.&nbsp;<\/span><\/p>\n<\/li>\n<li style=\"color: #000000;\" aria-level=\"1\">\n<p><span style=\"color: #000000;\">The husband and wife\u2019s age must be aged below 75 years old.&nbsp;<\/span><\/p>\n<\/li>\n<li style=\"color: #000000;\" aria-level=\"1\">\n<p><span style=\"color: #000000;\">Marriage must be legally registered in Malaysia.&nbsp;<\/span><\/p>\n<\/li>\n<li style=\"color: #000000;\" aria-level=\"1\">\n<p style=\"font-size: 18px;\"><span style=\"color: #000000;\">The contributor (husband) can be Malaysian or non-Malaysian; but the recipient (wife) must be Malaysian.&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<p><strong>How do I apply for the i-Sayang Programme?&nbsp;<\/strong><\/p>\n<p>Husbands who are interested in applying for the i-Syang programme can easily apply through:&nbsp;<\/p>\n<ul>\n<li style=\"color: #000000;\" aria-level=\"1\">\n<p><span style=\"font-size: 18px;\"><span style=\"color: #000000;\">Online via i-Akaun (Ahli) at <\/span><a href=\"http:\/\/www.kwsp.gov.my\/ms\/member\/i-sayang\">www.kwsp.gov.my\/ms\/member\/i-sayang<\/a><span style=\"color: #000000;\"> OR;&nbsp;<\/span><\/span><\/p>\n<\/li>\n<li style=\"color: #000000;\" aria-level=\"1\">\n<p><span style=\"font-size: 18px; color: #000000;\">At any EPF branch with the i-Sayang &#8211; KWSP 16G (SY) Registration Form.<\/span><\/p>\n<span style=\"font-size: 18px; color: #000000;\"><\/span><\/li>\n<\/ul>\n<p><strong>Can I cancel my i-Sayang application?&nbsp;<\/strong><\/p>\n<p>Once applied and approved, you may not be able to cancel your i-Sayang application without any valid reason. You (husband) will only be able to cancel the i-Sayang only if you and your wife are divorced or the death of your wife (receiver).&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Show your love to your wife with i-Sayang! For more information, visit <a href=\"http:\/\/www.kwsp.gov.my\/\"><span>www.kwsp.gov.my<\/span><\/a> or call 03-89226000.&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Husbands, here\u2019s another way for you to financially support your wife for the future, with i-Sayang! This new financial programme under the Employees Provident Fund (EPF) allows husbands to voluntarily transfer their EPF monthly contributions to their wives EPF accounts for their welfare.&nbsp;<\/p>\n","protected":false},"author":268230141,"featured_media":785,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[436],"tags":[],"class_list":["post-18074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>EPF i-Sayang: What You Need To Know &amp; 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Recent reports have shown that only 4% of Malaysians are\u2026","rel":"","context":"In &quot;Finance Explained&quot;","block_context":{"text":"Finance Explained","link":"https:\/\/www.comparehero.my\/blog\/finance-explained"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What_is_EPF_Voluntary_Contribution_and_How_Does_it_Work_-FI.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What_is_EPF_Voluntary_Contribution_and_How_Does_it_Work_-FI.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What_is_EPF_Voluntary_Contribution_and_How_Does_it_Work_-FI.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What_is_EPF_Voluntary_Contribution_and_How_Does_it_Work_-FI.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/What_is_EPF_Voluntary_Contribution_and_How_Does_it_Work_-FI.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18072,"url":"https:\/\/www.comparehero.my\/blog\/investments\/epf-announces-dividend-release-for-2023-what-you-need-to-know.html","url_meta":{"origin":18074,"position":1},"title":"EPF Announces 5.5% Dividend for 2023: What You Need to Know","author":"CompareHero","date":"3 March 2024","format":false,"excerpt":"On March 3rd, 2024, the Employees Provident Fund (EPF) of Malaysia announced its dividend release for the 2023 financial year, which is 5.5% for conventional savings and 5.4% for syariah savings.\u00a0 This equals a total payout of RM50.3 billion for conventional account holders and RM 7.5 billion for syariah account\u2026","rel":"","context":"In &quot;Investments&quot;","block_context":{"text":"Investments","link":"https:\/\/www.comparehero.my\/blog\/investments"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/2-EPF-to.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/2-EPF-to.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/2-EPF-to.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/2-EPF-to.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/2-EPF-to.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18447,"url":"https:\/\/www.comparehero.my\/blog\/government-policy\/pmx-malaysians-will-struggle-during-retirement-with-early-epf-withdrawals.html","url_meta":{"origin":18074,"position":2},"title":"PMX: Malaysians Will Struggle During Retirement With Early EPF Withdrawals","author":"CompareHero","date":"5 March 2025","format":false,"excerpt":"(Image: Bernama) Prime Minister Datuk Seri Anwar Ibrahim, during the Minister\u2019s Question Time at the Dewan Rakyat sitting yesterday, warned that allowing too much flexibility in withdrawing Employees\u2019 Provident Fund (EPF) savings before retirement could lead to financial problems later in life. He said early withdrawals would leave people with\u2026","rel":"","context":"In &quot;Government Policy&quot;","block_context":{"text":"Government Policy","link":"https:\/\/www.comparehero.my\/blog\/government-policy"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17617,"url":"https:\/\/www.comparehero.my\/blog\/finance-explained\/benefits-save-epf-money.html","url_meta":{"origin":18074,"position":3},"title":"4 Benefits You Can Get If You Save Your EPF Money","author":"CompareHero","date":"28 February 2022","format":false,"excerpt":"As of last year, Malaysian citizens and permanent residents have been allowed to withdraw their EPF savings to stay afloat during the pandemic. As you would already know, your EPF (also known as the Employees Provident Fund) is your retirement savings. Because of this, the decision to allow people to\u2026","rel":"","context":"In &quot;Finance Explained&quot;","block_context":{"text":"Finance Explained","link":"https:\/\/www.comparehero.my\/blog\/finance-explained"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/benefits-save-epf-money-featured-image.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/benefits-save-epf-money-featured-image.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/benefits-save-epf-money-featured-image.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/benefits-save-epf-money-featured-image.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/benefits-save-epf-money-featured-image.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18706,"url":"https:\/\/www.comparehero.my\/blog\/government-policy\/what-is-epf-account-3-and-benefits.html","url_meta":{"origin":18074,"position":4},"title":"What is EPF Account 3 and How You Can Benefit","author":"CompareHero","date":"18 April 2024","format":false,"excerpt":"On April 16th, the Malaysian Employee Provident Fund or EPF announced the upcoming rollout of a new account structure. Briefly, this new structure, poised for implementation in May 2024, involves the creation of a third account for all EPF members. Previously, all contributions from EPF members were divided into two\u2026","rel":"","context":"In &quot;Government Policy&quot;","block_context":{"text":"Government Policy","link":"https:\/\/www.comparehero.my\/blog\/government-policy"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/EPFs-Account-3-and-its-Benefits.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/EPFs-Account-3-and-its-Benefits.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/EPFs-Account-3-and-its-Benefits.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/EPFs-Account-3-and-its-Benefits.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/EPFs-Account-3-and-its-Benefits.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18743,"url":"https:\/\/www.comparehero.my\/blog\/government-policy\/with-high-dividend-payout-epf-account-3-withdrawals-may-reach-rm5-billion.html","url_meta":{"origin":18074,"position":5},"title":"With High Dividend Payout, EPF Account 3 Withdrawals May Reach RM5 Billion","author":"CompareHero","date":"4 March 2025","format":false,"excerpt":"(Image: EPF) The Employees Provident Fund (EPF) is set to see RM5 billion in withdrawals from Akaun Fleksibel (Account 3), which economists say could help boost the national economy. They believe that higher dividend payouts and easy access to funds make EPF accounts more appealing than regular bank savings. 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