X Consultancy Group

X Consultancy Group Licensed Accounting Firm in Malaysia — Tax · Company Secretary · Payroll · Account · Licensing
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201801046115 (1308147-P)

27/08/2026

EPF 存得越多，利息反而可能比别人少？😳

很多人以为：
EPF 存款越多 = 拿到的利息一定越多。
但其实，未必！
为什么有人 EPF 存款比较少，最后拿到的利息却可能比你高？

关键不只是看你现在有多少钱,
EPF说RM390K是退休储蓄的基本目标，
但这RM390K，真的够你退休吗？

退休后最可怕的不是：“我的EPF不够多。”
而是：“我以为够，结果活到一半没钱了。”

你觉得一个人退休时，至少应该有多少钱？

The More You Save in EPF, the Less Interest You Might Earn? 😳

Many people assume:
More EPF savings = More interest earned.
But is that really true? Not necessarily!
Why could someone with less EPF savings potentially end up earning more interest than you?

The key isn’t just about how much you have in your account right now.
EPF says RM390,000 is the basic retirement savings target.
But here’s the bigger question:
Is RM390,000 really enough to retire?

The scariest thing about retirement isn’t: “I don’t have enough EPF.”
It’s: “I thought I had enough… until I ran out of money halfway through retirement.”

So, how much do you think someone should have in their EPF before they retire? 💰

#公积金 #退休金 #理财知识 #个人理财 #退休生活 #马来西亚理财 #财务知识 #中小企业

24/08/2026

最低薪资真的会起到 RM3,100？

MTUC 建议将 RM3,100 生活薪金
作为新最低薪资标准的参考。

如果真的从 RM1,700 调到 RM3,100：
📈 多 RM1,400
📊 涨幅接近 80%！

打工人可能觉得👇
💸 “薪水终于跟得上生活费了！”

但老板可能担心👇
😰 人工成本大涨
📈 营运成本增加
💸 小企业利润被压缩

⚠️ 会不会有企业撑不下去？
⚠️ 会不会被迫裁员、缩减招聘？
⚠️ 最后反而导致更多人找不到工作？
🤔 所以 RM3,100 到底是解决方案，还是企业的新压力？

目前 RM3,100 只是 MTUC 的建议，
政府最终标准还未确定。

👇 如果最低薪资真的涨到 RM3,100，你觉得是合理，还是涨太多？

Will Malaysia’s Minimum Wage Really Rise to RM3,100?

MTUC has proposed using RM3,100 as a reference for the new minimum wage.

If the minimum wage increases from RM1,700 to RM3,100:
📈 That’s RM1,400 more
📊 An increase of almost 80%!

Employees might think👇
💸 “Finally, wages can keep up with the cost of living!”

But business owners may worry👇
😰 Higher labour costs
📈 Rising operating expenses
💸 Pressure on small business profits

⚠️ Could some businesses struggle to survive?
⚠️ Could companies be forced to cut jobs or slow hiring?
⚠️ Could this eventually mean fewer jobs for workers?

🤔 So, is RM3,100 the solution to rising living costs — or a new challenge for businesses?

For now, RM3,100 is only MTUC’s proposal.
The government has not confirmed the final minimum wage.

👇 If the minimum wage really rises to RM3,100,
do you think it’s reasonable, or too high?

#马来西亚 #马来西亚政府 #马来西亚薪资 #马来西亚老板 #马来西亚生意 #最低薪资 #打工人 #生活成本

19/08/2026

最低工资RM1,700要起了？😳

最低工资：RM1,700 ✅
生活工资（国行估算）：RM2,700 📊
差距：至少RM1,000

物价这几年涨成这样
实际需要的，恐怕更多

打工人：加薪是好事，但够用吗？
老板：成本压力不是开玩笑的
双方都有难处

不管是老板还是打工人的你，留言说说你对起薪的看法～

Minimum wage RM1,700 "rising soon"?😳

Minimum wage: RM1,700 ✅
BNM's "living wage" estimate: RM2,700 📊
The gap: at least RM1,000

Prices have climbed a lot since then
The real number today? Probably higher

Workers: a raise is good — but is it enough?
Employers: rising costs are no joke
Both sides have their own struggles

Whether you're the boss or the employee, drop a comment and share your take on the rising wage~

#马来西亚 #马来西亚政府 #马来西亚薪资 #马来西亚老板 #马来西亚生意 #最低薪资 #打工人 #生活成本

18/08/2026

你的月薪涨了，SST也涨了？

首6个月，KASTAM多收了36亿的税 😳
哪里来的？
很大部分跟SST扩大范围有关

制度上，SST是向商家收的
但现实是商家把成本转嫁到价格上
最后买单的是消费者 🧾

这两年
油涨、面包涨、咖啡都涨
你的薪水，追得上吗？💭

身为老板的你，
不懂SST几时要收？什么行业要收？
留言""SST""，我们免费发资料给你 📩

Your salary went up... but so did SST?

KASTAM collected RM3.6B more in tax than expected in just 6 months 😳
Where did it come from?
A big part of it ties back to the expanded scope of SST

SST is charged to businesses
But in reality, businesses pass that cost on through higher prices
And it's the consumer who ends up paying 🧾

These past 2 years
Petrol up, bread up, coffee up
Is your salary keeping up? 💭

If you're a business owner —
not sure when SST applies, or which industries it covers?
Comment ""SST"" and we'll send you the info for free 📩

#马来西亚税务 #物价上涨 #生活成本 #税务合规 #马来西亚生意 #马来西亚老板 #打工人 #马来西亚

16/08/2026

🚨 PDD 几块钱也包邮，低价背后到底是什么？

最近全民都在拼多多"剁手"🛒
指甲剪、耳机、日用品
价格常常只是本地的1/3甚至更低💸

低价背后是什么？
🏭 工厂直供
💰 平台补贴
📦 供应链效率拉满

但另一边，电商平台和本地商家也开始面对压力。
📢 政府甚至召集 Grab、Shopee、TikTok、Lazada 等平台讨论应对方案。

同样的东西👇
🛒 PDD：RM8
🏪 实体店：RM30
你会选择👇
哪里便宜买哪里？ 还是支持本地商家？

如果PDD有一天真的被限制, 你会怎么反应？👀

🚨 PDD ships for just a few ringgit — so what's really behind the low prices?

Seems like everyone's on a PDD shopping spree lately🛒
Nail clippers, earphones, everyday essentials
Prices are often just 1/3 of local retail, or even less💸

So what's behind the low prices?
🏭 Factory-direct
💰 Platform subsidies
📦 Supply chain efficiency maxed out

But on the other side, e-commerce platforms and local businesses are starting to feel the pressure.
📢 The government has even called Grab, Shopee, TikTok, and Lazada together to discuss countermeasures.

Same item👇
🛒 PDD: RM8
🏪 In-store: RM30
So which side are you on👇
Buy wherever it's cheapest? Or support local businesses?

And if PDD ever gets restricted one day, how would you react?👀

#拼多多 #跨境电商 #低价好物 #本地商家 #马来西亚 #马来西亚电商 #电商 #省钱 #中小企业

14/08/2026

有钱人是不是该多交税?💰

政府说暂时不开征收富人税
但你可能没发现...

过去3年,新税其实一年多一个👇
✅ 2024 资本利得税 CGT 10%
✅ 2025 股息税 2%
✅ 2026 LLP合伙人利润税 2%

不叫「富人税」
但瞄准的,好像都是「比较有钱」的那群人 💸

你怎么看？你觉得政府应该征收富人税

Should the rich pay more tax? 💰

The government says there's no wealth tax for now
But you might not have noticed...

New taxes have been dropping, one a year, for the past 3 years 👇
✅ 2024 — Capital Gains Tax (CGT) 10%
✅ 2025 — Dividend Tax 2%
✅ 2026 — LLP Partner Profit Tax 2%

Not officially called a "wealth tax"
But it sure looks aimed at people with more money 💸

What do you think? Should the government implement a wealth tax?

#马来西亚税务 #富人税 #资本利得税 #股息税 #税务规划 #财经知识 #打工人必看 #马来西亚老板

12/08/2026

🚨 LHDN 用 AI 分析 E-Invoice，追加 RM44 亿税！

做了 10 年生意，
一次都没被 LHDN 查过，
也可能突然收到查税通知 🫣

🤖 LHDN 用 AI 已分析超过 16 亿张 E-Invoice，
通过 AI 看👇
👉 交易 Pattern
👉 异常数据
👉 风险指标

截至今年 6 月底，已经追加税款达 RM44 亿！

以前是人找账，
现在可能是 AI 先找你。

你的营业额跟e-invoice百分百对得上吗?

🚨 LHDN Uses AI to Analyse E-Invoices, Recovering RM4.4 Billion in Additional Tax!

You’ve been in business for 10 years and never been audited by LHDN?
You could still suddenly receive an audit notice. 🫣

🤖 LHDN has analysed more than 1.6 billion E-Invoices, looking at:
👉 Transaction patterns
👉 Anomalies
👉 Risk indicators

As of the end of June, additional tax collected had reached RM4.4 billion.

Before, it was people looking through the accounts.
Now, AI may be looking for you first.

❓ Does your reported revenue match your E-Invoices 100%?

#报税 #中小企业 #老板 #生意人 #会计师 #马来西亚

11/08/2026

⚠️ 50% 马来西亚人月薪不到 RM3,027！

📊 根据 DOSM 最新数据（2026年3月）：
全国月薪中位数
👉 RM3,027
去年同期是 RM3,000。
一年下来，只增加了 RM27。

但地区差距更值得注意
📍 吉隆坡：RM4,527
📍 吉兰丹：RM1,827
同样是马来西亚，
收入差距可以超过 2倍！

RM3,027 的薪水，在你住的地方够用吗？
房租、吃饭、交通、生活费扣完后，
你一个月还能剩多少？

⚠️ 50% of Malaysians Earn Less Than RM3,027 a Month!

📊 According to the latest DOSM data (March 2026):
National median monthly salary in the formal sector
👉 RM3,027
Last year, it was RM3,000.
That’s only a RM27 increase in one year.

But the regional gap is even more eye-opening👇
📍 Kuala Lumpur: RM4,527
📍 Kelantan: RM1,827
Same country,
but the difference is more than 2×!

Is RM3,027 enough to live where you are?
After rent, food, transport and daily expenses,
how much would you actually have left?

👇 What do you think?

#马来西亚 #马来西亚老板 #打工人 #马来西亚薪资 #生活成本 #生活费 #马来西亚经济

05/08/2026

说赚34亿,结果亏14亿?😱差RM48亿

这是Tabung Haji皇家调查委员会(RCI)报告刚解密的真相。

账目"看起来"很健康
但账目是亏的
更离谱的是股息照发不误

直到纸包不住火:
2017财年:6.25%
2018财年:1.25%⬇️

930万储户的储蓄
这不是数字游戏
这是真实的信任课题
你怎么看?👇

想知道Dividend什么时候可以拿,什么时候不可以拿?
留言 Dividend,我们把整理清单发给你。

Reported RM3.4B profit. Turned out to be RM1.4B loss? 😱 A RM4.8B gap.

This is what Tabung Haji's just-declassified RCI report revealed.

The books "looked" healthy
But the real numbers were in the red

Even more absurd — dividends kept flowing

Until it couldn't be hidden anymore:
FY2017: 6.25%
FY2018: 1.25% ⬇️

9.3 million depositors' savings
This isn't just numbers
This is a real trust issue

What's your think? 👇

Want to know when you can get your dividend — and when you can't?
Comment "DIVIDEND" and we'll send you the full checklist.

#马来西亚 #财务透明 #企业治理 #朝圣基金 #会计准则 #大马时事

03/08/2026

公司是我的,钱当然是我的。😤

上星期一个客户
理直气壮跟我们同事这样说

用公司账户
给自己买了辆新车
车,登记在自己名下
公司,他持有100%股份
那到底算谁的?💭

你身边的老板
(或你自己😅)
是不是也这样?

留言 WALLET 👇
免费分享《3种合法拿钱方式》

*故事为匿名合成案例。仅供参考，不构成税务或法律意见。

It's my company, so it's my money.😤

Last week, a client
said this to our colleague
like it was obvious

Used the company account
to buy himself a new car

Car → registered in his own name
Company → he owns 100% of the shares
So who does it actually belong to? 💭

Is your boss (or... you 😅)
doing the same thing?

Comment WALLET 👇
Free share: "3 Legal Ways to Take Money Out"

*This story is an anonymized composite case. For reference only — not tax or legal advice.

#马来西亚 #马来西亚老板 #马来西亚公司 #马来西亚创业 #中小企业

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