Berminat untuk mengetahui/meningkatkan hasil pelaburan KWSP akaun 1 anda melalui Unit Trust sila Call/SMS Mr. Kaharuddin 019-232 5287
KWSP tak cukup tampung hidup selepas bersara
Berminat untuk mengetahui/meningkatkan hasil pelaburan KWSP akaun 1 anda melalui Unit Trust sila Call/SMS Mr. Kaharuddin 019-232 5287
Miskin selepas pencen - Dengan purata caruman RM114,000 pesara belanja RM475 sebulan
Oleh : NIZAM YATIM
KUALA LUMPUR 18 Okt. – Kumpulan Wang Simpanan Pekerja (KWSP) mempunyai caruman terkumpul berjumlah RM224 bilion sehingga Disember 2006 namun secara purata simpanan seorang pencarumnya yang mencapai usia 55 tahun cuma RM114,000.
Dengan simpanan sebanyak itu, seseorang pencarum KWSP yang bersara hanya mampu membelanjakan RM475 setiap bulan bagi membolehkannya menampung hidup sehingga usia 75 tahun.
Perbelanjaan RM475 sebulan akan meletakkan pesara berkenaan dalam kategori golongan berpendapatan di bawah paras kemiskinan.
Pendapatan orang yang dikategorikan miskin di Semenanjung kini ditetapkan RM530 sebulan, Sarawak (RM585) dan Sabah (RM685).
Pengurus Kanan Perhubungan Awam KWSP, Nik Affendi Jaafar memberitahu, pada masa ini purata caruman terkumpul kira-kira 47,500 pencarum KWSP yang akan genap umur 55 tahun pada tahun ini ialah RM114,000.
“Jumlah simpanan ini tidak mencukupi berdasarkan anggaran mereka akan menggunakan wang itu selama 20 tahun berikutan jangka hayat yang semakin panjang serta kos sara hidup yang terus meningkat,” katanya kepada Utusan Malaysia dalam satu temu bual di pejabatnya di sini.
KWSP mempunyai kira-kira 11 juta pencarum dengan 47,500 orang akan mencapai umur bersara pada tahun ini.
Menurut Nik Affendi, bagi memastikan pencarum KWSP dapat bersara dengan selesa, setiap ahli dana pencen itu perlu mengubah sikap mereka yang berharap sepenuhnya kepada caruman KWSP untuk menampung hidup selepas bersara.
“Caruman KWSP setiap bulan hanya melibatkan 11 peratus daripada gaji mereka, jadi masih terdapat 89 peratus pendapatan pencarum yang boleh digunakan untuk membuat pelaburan yang akan menghasilkan pulangan tetap pada usia tua,” ujarnya.
Nik Affendi menasihatkan para pencarum supaya berhemah ketika membuat pengeluaran awal sebelum persaraan membabitkan pelbagai skim yang telah disediakan oleh KWSP termasuk pengeluaran rumah, pendidikan dan kesihatan.
“Jika mereka mempunyai sumber lain, simpanan KWSP harus dijadikan sebagai pilihan terakhir,” tegasnya.
Ditanya mengenai langkah-langkah yang telah diambil bagi memastikan simpanan persaraan setiap ahli bertambah, katanya, struktur akaun ahli KWSP telah disusun semula daripada tiga akaun kepada dua mulai 2 Januari lalu.
Sebelum ini, sebanyak 60 peratus daripada caruman bulanan ahli dikreditkan ke dalam Akaun I manakala 30 peratus ke dalam Akaun II dan 10 peratus ke dalam Akaun III.
Penstrukturan itu menyebabkan Akaun I – yang khusus untuk tujuan persaraan dan hanya boleh dikeluarkan setelah pencarum mencapai usia 55 tahun – ditingkatkan sebanyak 10 peratus kepada 70 peratus.
Selaras dengan perubahan itu, ujar Nik Affendi, pengeluaran kesihatan yang sebelum ini hanya boleh dibuat daripada Akaun III kini boleh dikeluarkan daripada Akaun II.
Wang dalam Akaun II yang melibatkan 30 peratus caruman ahli juga boleh dikeluarkan untuk pembiayaan perumahan, kesihatan, pendidikan dan apabila cukup umur 50 tahun.
RM1.71b withdrawn from EPF in Q3
A total of RM1.71 billion has been withdrawn from the Employees Provident Fund (EPF) by members in the third quarter 2011 for the purpose of investing elsewhere, it was announced Friday.
The amount was 50.56 per cent higher compared with RM1.14 billion in same period last year, while total applications approved under the Members' Investment Withdrawal increased by 46.94 per cent to 199,596 from 135,833.
"The increase in investment withdrawals indicates that members desire to take charge of their savings to gain better returns.
"While this is good, any decision to explore outside the EPF, should be treaded carefully especially given the current global economic uncertainties," said EPF Chief Executive Officer Tan Sri Azlan Zainol in a statement announcing the fund's unaudited operations performance report for third quarter 2011.
From July to Sept 2011, the EPF recorded a notable growth for Flexible Age 55 Withdrawals during which the number of applications approved jumped by 59.86 per cent to 27,334 from 17,099 in previous corresponding period.
The amount withdrawn under this withdrawal grew 59.23 per cent to RM1.01 billion from RM633 million.
On the other hand, the number of approved applications for Lump Sum Age 55 Withdrawal registered a minimal growth of 8.24 per cent to 35,450 from 32,752 while the amount withdrawn increased 5.81 per cent to RM1.46 billion from RM1.38 billion.
During the quarter also, the EPF saw a healthy growth of 124,183 new members as a result of 12,960 new employers registering with the fund.
he fund also saw 57,381 new nominations registered during the period, bringing the total of EPF members who have nominated their beneficiaries to 4,800,087, a 12.96 per cent increase after aggressive efforts by the EPF in urging its members to make nominations.
The EPF also announced that its website, myEPF, has scored a 5-Star rating and has been ranked in the top 10 websites among 1,155 government portals and websites by the Malaysia Government Portals and Websites Assessment (MGPWA).
During the third quarter, EPF electronic channels continued to gain popularity among members with myEPF website and i-Akaun showing significant increase in usage.
The number of logins into i-Akaun, a personalised online account for members and employers via myEPF website, increased 38.88 per cent to 1,183,274 from 852,000, while myEPF website attracted 1,369,080 visitors in the third quarter 2011 compared to 1,127,000 in the corresponding quarter last year, up 21.48 per cent.
In addition, EPF Kiosks which offer members the convenience of obtaining their account statements in a time-saving manner registered a 6.35 per cent growth to 1,422,925 from 1,337,911. -- Bernama
Read more: RM1.71b withdrawn from EPF in Q3 http://www.btimes.com.my/Current_News/BTIMES/articles/20111125205947/Article/index_html
The amount was 50.56 per cent higher compared with RM1.14 billion in same period last year, while total applications approved under the Members' Investment Withdrawal increased by 46.94 per cent to 199,596 from 135,833.
"The increase in investment withdrawals indicates that members desire to take charge of their savings to gain better returns.
"While this is good, any decision to explore outside the EPF, should be treaded carefully especially given the current global economic uncertainties," said EPF Chief Executive Officer Tan Sri Azlan Zainol in a statement announcing the fund's unaudited operations performance report for third quarter 2011.
From July to Sept 2011, the EPF recorded a notable growth for Flexible Age 55 Withdrawals during which the number of applications approved jumped by 59.86 per cent to 27,334 from 17,099 in previous corresponding period.
The amount withdrawn under this withdrawal grew 59.23 per cent to RM1.01 billion from RM633 million.
On the other hand, the number of approved applications for Lump Sum Age 55 Withdrawal registered a minimal growth of 8.24 per cent to 35,450 from 32,752 while the amount withdrawn increased 5.81 per cent to RM1.46 billion from RM1.38 billion.
During the quarter also, the EPF saw a healthy growth of 124,183 new members as a result of 12,960 new employers registering with the fund.
he fund also saw 57,381 new nominations registered during the period, bringing the total of EPF members who have nominated their beneficiaries to 4,800,087, a 12.96 per cent increase after aggressive efforts by the EPF in urging its members to make nominations.
The EPF also announced that its website, myEPF, has scored a 5-Star rating and has been ranked in the top 10 websites among 1,155 government portals and websites by the Malaysia Government Portals and Websites Assessment (MGPWA).
During the third quarter, EPF electronic channels continued to gain popularity among members with myEPF website and i-Akaun showing significant increase in usage.
The number of logins into i-Akaun, a personalised online account for members and employers via myEPF website, increased 38.88 per cent to 1,183,274 from 852,000, while myEPF website attracted 1,369,080 visitors in the third quarter 2011 compared to 1,127,000 in the corresponding quarter last year, up 21.48 per cent.
In addition, EPF Kiosks which offer members the convenience of obtaining their account statements in a time-saving manner registered a 6.35 per cent growth to 1,422,925 from 1,337,911. -- Bernama
Read more: RM1.71b withdrawn from EPF in Q3 http://www.btimes.com.my/Current_News/BTIMES/articles/20111125205947/Article/index_html
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