8% or 11%?
Assume monthly basic salary is RM4000.
If your monthly EPF contribution is 11% ( RM440 ), taxable income = RM3560, income tax payable = RM77.
If your monthly EPF contribution is 8% ( RM320 ), taxable income = RM3680, income tax payable = RM109.
Conclusion : If you choose to contribute 8%, you will end up paying more income tax to the government, which will make the government richer. Finance Minister Najib said this measure is meant to boost up the slow-down market, but from this example we can see that the money does not go into the market.
Instead the money goes direct into the government's pocket through the greater amount of income tax that we will have to pay. Obviously this measure does not help the market at all.
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10 comments:
1st of all, kalulah memang btul gaji aku 4k.. woohooo!
2nd, xde option utk pilih 8 or 11%?
gua amik pencen je.. malas pikir pepanjang..
1st of all, kalaulah aku ada pencen... woohoo!!
2nd, option utk pilih 8% or 11% ini quite disadvantage bg org2 layman spt aku. Thanks for sharing...
With the way things were going for the past 1 to 2 years, kalau keje makan gaji, probably better to ambik pencen and keje ngan govt. "Keje swasta" is nowhere as "glamour" as it used to be.
never too late to join government. we need you!
sal,
now gomen jual mahal.
hari tu aku p interview mmg kena 'sapu' ngan si interviewer tu psl current gomen.... hahha. maybe dia tgk aku tatau sgt pasal current gomen i'm on the 'other' side.. keh keh keh
ihsan, waktu aku pi interbiu dulu pung gitu gak. sebab aku main sebut nama menteri xde address cth rafidah aziz (xde dato sri ke), alhamdulillah..dpt gak.. :)
cuba la lagi. skim terbaik yg aku rasa utk di-join: pegawai tadbir diplomatik aka PTD. lepas 2 tawun, ko dah leh naik satu anak tangga...
jgn risau pasal gaji, leh adjust punya...
pakcik kayo nampak...
Just curious..maybe kawan2 yg keje gomen boleh comment. Kalau misalnya keje company, ada EPF, kalau cabut, EPF masih ada. Tapi kalau keje gomen, ada pencen, kalau halfway pancit and decide nak cabut i.e say at age of 30, what happens to the pencen? Nak kata pencen awal, muda sangat dak? So burn je ke? Means kira savings starts from zero?
Dulu ada option nak join KWSP or join skim pencen gomen...rasanya depa nk bagi peluang kalaula ada staf yg x nak stay lama dlm civil service...tp kalau stay sampai pencen n if u move up the scale, pencen bulanan should be quite large...pegawai2 rendah kecik skit la pencen sbb gaji pokok masa keja kecik...kalau professional mcm doktor, engineers, architects, professors, prosecutors, judges banyak la jgak...apa2 pun both my parents yg dulu keja gomen la ni dh pencen are living easily on their pensions even without much savings...
I would imagine there is a minimum number of years that you should serve with the Govt....there were plans for newer recruit to switch to EPF (it is not sustainable for Govt to give pencen...kalau kita meninggal, pencen dapat kat spouse sampai dia pun meninggal)....but Cuepacs marah sebab biasa lah, gaji bulan2 kena potong 11%....so they claimed membebankan orang gaji rendah....
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