15/01/2026
EPF自己进RM2500参加i-Saraan，一年后政府就会送RM500。
顺便深入做了一些EPF研究。
📌 申请 i-Saraan 的条件 🇲🇾💼
✅ 已注册为 雇员公积金（EPF / KWSP）会员 🏦
✅ 马来西亚公民 🇲🇾
✅ 60 岁以下 👤
✅ 自雇人士 / 没有固定收入者 💻🧑🔧
包括：
• 公务员退休金制度成员 🏛️
• 零工经济（Gig Economy）工作者 🚗📦📱
• 国外做工，马来西亚没有公司贡献EPF者
✅ 政府补贴 20%（一年最多 RM500）
✅ 一年自己进 RM2,500，政府补RM500
✅ 政府终身奖励上限为 RM5,000，或至 60 岁时（以先到者为准）。（需遵守条款和条件）
📌 存得越早，赚得越多 👍
💰 自己存 EPF，政府帮你补贴
📈 存得越早，赚得越多！
✅ 自己进 EPF 有哪几种方式？
🔹 方式 1：自愿缴纳（Voluntary Contribution）
👉 最常用
• 没有固定最低金额
• 每年最高 RM100,000
• 跟正常 EPF 分配 一样，自动分配到三个户口
• 可以随时进、金额自由
📌 适合：想长期存退休金的人
一、怎么开始？（步骤）
✅ Step 1：有 EPF 号码
• 如果以前打过工 → 已有 EPF
• 没有 → 去 EPF 柜台开一个（带 IC）
⸻
✅ Step 2：注册 i-Akaun
• 在 KWSP 官网 / 柜台 / App（i-Akaun） 注册
• 有 i-Akaun 才能看余额、网上进钱
⸻
✅ Step 3：进钱方式（超方便）
你可以用：
🏧 网上App
• KWSP i-Akaun
🏪 柜台
• EPF 柜台
• 部分银行柜台
📌 选项通常叫：
“EPF Voluntary Contribution / Self Contribution / i-Saraan”
⸻
二、钱进到哪里？
📌 马来西亚 EPF 账户说明 🇲🇾💼
• Akaun Persaraan（原账户 1） 🏦
退休储蓄和投资专用 💰📈
• Akaun Sejahtera（原账户 2） 🏠🎓🏥
用于退休前的需要，可提取部分储蓄用于：
• 购房 🏡
• 教育 🎓
• 健康 🏥
• 保险 / 伊斯兰保险 Takaful 🛡️
• 朝觐 Hajj 🕋
• 50 岁前使用 👤
• Akaun Fleksibel（账户 3） 💳⚡
新设账户，允许随时提取储蓄，应对紧急现金需求 💸
❓ 可以随时停吗？
✅ 可以
完全自愿，没有罚款。
最后，祝福大家财源滚滚来！结尾突然想起，送伞就是要提醒我未雨绸缪，谢谢啦马来西亚！祝大家拿伞愉快！
I heard that if you go to EPF and deposit RM500, you can get a free umbrella. Immediately rushed over 😂
I also remembered that a handsome guy at the counter once told me that I could deposit RM2,500 myself to join i-Saraan, and after one year, the government would give an extra RM500.
At the same time, I did some deeper research on EPF.
⸻
📌 Eligibility to Apply for i-Saraan 🇲🇾💼
✅ Registered as an EPF (KWSP) member 🏦
✅ Malaysian citizen 🇲🇾
✅ Below 60 years old 👤
✅ Self-employed / No fixed income 💻🧑🔧
Including:
• Members of the civil service pension scheme 🏛️
• Gig economy workers 🚗📦📱
• Working overseas with no EPF contributions from a employer
✅ Government incentive: 20% (up to RM500 per year)
✅ Deposit RM2,500 per year, government tops up RM500
✅ Lifetime government incentive cap: RM5,000, or until age 60 (whichever comes first), subject to terms and conditions
📌 The earlier you save, the more you gain 👍
💰 Save into EPF yourself, the government helps top it up
📈 The earlier you start, the more you earn!
⸻
✅ Ways to Contribute to EPF Yourself
🔹 Method 1: Voluntary Contribution
👉 Most commonly used
• No minimum amount
• Maximum RM100,000 per year
• Allocation follows normal EPF distribution, automatically split into three accounts
• You can contribute anytime, with flexible amounts
📌 Suitable for those who want to save long-term for retirement
⸻
1. How to Get Started (Steps)
✅ Step 1: Have an EPF number
• If you have worked before → you already have one
• If not → open an account at an EPF counter (bring your IC)
⸻
✅ Step 2: Register for i-Akaun
• Register via the KWSP website / counter / app (i-Akaun)
• i-Akaun allows you to check balances and make online contributions
⸻
✅ Step 3: Ways to Deposit Money (Very Convenient)
You can use:
🏧 Online Apps
• KWSP i-Akaun
🏪 Over-the-counter
• EPF counters
• Selected bank counters
📌 The option is usually called:
“EPF Voluntary Contribution / Self Contribution / i-Saraan”
⸻
2. Where Does the Money Go?
📌 Malaysia EPF Account Structure 🇲🇾💼
• Akaun Persaraan (formerly Account 1) 🏦
For retirement savings and investment 💰📈
• Akaun Sejahtera (formerly Account 2) 🏠🎓🏥
For pre-retirement needs; partial withdrawals allowed for:
• Home purchase 🏡
• Education 🎓
• Healthcare 🏥
• Insurance / Takaful 🛡️
• Hajj 🕋
• Usage before age 50 👤
• Akaun Fleksibel (Account 3) 💳⚡
A newly introduced account that allows withdrawals at any time to meet emergency cash needs 💸
⸻
❓ Can you stop anytime?
✅ Yes
It is completely voluntary, with no penalties.
At the very end, it suddenly occurred to me, the umbrella giveaway was meant to remind me to prepare for a rainy day. Thank you, Malaysia! Wishing everyone a happy umbrella-collecting experience!
