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@dazza_73 The EPF employer contribution decreases from 13% to 12% when your salary is above RM5k. Also note that since the EPF contribution is made monthly, the effective dividend for that year (excluding the previous year starting balance) would only be ~50% of the declared dividend rate for...

@reallivegirl The 2.5% guaranteed returns is exclusive to EPF’s Conventional Account. This means if EPF has somehow incurred losses for a particular fiscal year (touch wood), you will still get that 2.5% returns for that year. What baffles me is that EPF is actively campaigning for non...