{"id":110,"date":"2025-09-19T07:21:05","date_gmt":"2025-09-19T07:21:05","guid":{"rendered":"https:\/\/www.info-tech.com.my\/blog\/malay\/?p=110"},"modified":"2026-01-28T04:42:12","modified_gmt":"2026-01-28T04:42:12","slug":"kwsp-2025-segala-yang-anda-perlu-tahu","status":"publish","type":"post","link":"https:\/\/www.info-tech.com.my\/blog\/malay\/kwsp-2025-segala-yang-anda-perlu-tahu\/","title":{"rendered":"KWSP 2025: Segala Yang Anda Perlu Tahu"},"content":{"rendered":"<p><span data-contrast=\"auto\">Skim caruman Kumpulan Wang Simpanan Pekerja &#8211; KWSP 2025 ditetapkan untuk memastikan pekerja di Malaysia, tidak kira sektor formal atau tidak formal, memiliki simpanan yang mencukupi bagi tujuan persaraan. Ia melibatkan caruman daripada majikan dan pekerja, bergantung kepada kategori umur mereka.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><strong>Pekerja berumur bawah 60 tahun:<\/strong><\/h2>\n<h3>Caruman Majikan: 13% daripada gaji bulanan<\/h3>\n<p><span data-contrast=\"auto\">Majikan diwajibkan mencarum sebanyak 13% daripada gaji kasar pekerja, selaras dengan Akta KWSP.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Caruman Pekerja: 11% daripada gaji bulanan<\/h3>\n<p><span data-contrast=\"auto\">Potongan ini dilakukan secara automatik dan merupakan sebahagian daripada langkah penabungan jangka panjang.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Jumlah Keseluruhan: 24% daripada gaji bulanan<\/h3>\n<p><span data-contrast=\"auto\">Penggabungan kadar caruman ini membolehkan pekerja membina dana persaraan yang kukuh.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><strong>Pekerja berumur 60 tahun ke atas:<\/strong><\/h2>\n<h3>Caruman Majikan: 4% daripada gaji bulanan<\/h3>\n<p><span data-contrast=\"auto\">Kadar ini diselaraskan untuk mengurangkan beban majikan sambil tetap memastikan sumbangan kepada simpanan pekerja yang lebih berumur.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Caruman Pekerja: 0% (sukarela)<\/h3>\n<p><span data-contrast=\"auto\">Tiada kewajipan mencarum, tetapi pekerja boleh membuat caruman tambahan mengikut kemampuan dan keinginan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Jumlah Minimum: 4% daripada gaji bulanan<\/h3>\n<p><span data-contrast=\"auto\">Amaun ini menjamin bahawa pekerja warga emas masih memiliki simpanan yang boleh dimanfaatkan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><\/h2>\n<h2><strong>Contoh Pengiraan Caruman<\/strong><\/h2>\n<p><span data-contrast=\"auto\">Supaya lebih mudah difahami, berikut adalah pengiraan caruman bagi pekerja dengan gaji bulanan RM3,000:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Caruman pekerja (11%): RM330<\/h3>\n<p><span data-contrast=\"auto\">Potongan terus daripada gaji sebagai sebahagian daripada simpanan wajib.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Caruman majikan (13%): RM390<\/h3>\n<p><span data-contrast=\"auto\">Ditanggung sepenuhnya oleh majikan dan disalurkan ke akaun KWSP pekerja sebagai faedah tambahan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Jumlah bulanan: RM720<\/h3>\n<p><span data-contrast=\"auto\">Jumlah simpanan ini meliputi bahagian pekerja dan majikan, menghasilkan tabungan sebanyak RM8,640 setahun (tidak termasuk dividen pengiraan).<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Gaji Minimum dan Maksimum Caruman<\/strong><\/h2>\n<h3><strong>Had Gaji Untuk Caruman Wajib<\/strong><\/h3>\n<p><span data-contrast=\"auto\">Untuk memastikan keadilan sosial dan keseimbangan dalam sistem caruman, KWSP telah menetapkan had minimum untuk caruman wajib:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><strong>Gaji minimum untuk caruman wajib: RM1,500 sebulan<\/strong><\/h3>\n<p><span data-contrast=\"auto\">Pekerja yang menerima gaji lebih rendah daripada angka ini tidak diwajibkan membuat caruman, tetapi majikan masih perlu memastikan mereka mencarum minimum.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Had maksimum caruman bulanan: Tiada had maksimum<\/h3>\n<p><span data-contrast=\"auto\">Tiada sekatan jumlah gaji bagi caruman, yang membolehkan pekerja berpendapatan tinggi meningkatkan simpanan mereka tanpa batasan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Pengecualian Caruman<\/h3>\n<p><span data-contrast=\"auto\">Jika gaji pekerja berada di bawah gaji minimum negara, pengecualian khas diberikan berdasarkan peraturan berikut:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Pekerja dengan gaji di bawah RM1,500 sebulan:<\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Tidak diwajibkan membuat caruman.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Pengecualian ini memberi kelegaan kepada pekerja berpendapatan rendah.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Boleh membuat caruman secara sukarela.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Pilihan ini direka bagi mereka yang ingin memulakan simpanan persaraan secara fleksibel.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Majikan masih perlu membayar caruman minimum sebanyak RM5 sebulan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">Langkah ini memastikan walaupun pekerja tidak membuat caruman sendiri, mereka tetap menerima faedah daripada simpanan KWSP.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2><\/h2>\n<h2><strong>Akaun KWSP dan Pembahagiannya<\/strong><\/h2>\n<h3><strong>Pembahagian Akaun<\/strong><\/h3>\n<p><span data-contrast=\"auto\">Dana KWSP pekerja dipecahkan kepada beberapa akaun utama, setiap satu melayani tujuan tertentu:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><strong>Akaun 1 (70% daripada simpanan):<\/strong><\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Untuk persaraan pada umur 55 tahun<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Simpanan ini tidak boleh disentuh sehingga pekerja mencapai usia persaraan, melainkan dalam kes tertentu seperti hilang upaya kekal.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Tidak boleh dikeluarkan sebelum umur 55 tahun (kecuali kes-kes tertentu seperti penyakit kritikal)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Perlindungan ini menjamin dana mencukupi apabila pekerja bersara.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><strong>Akaun 2 (30% daripada simpanan):<\/strong><\/h3>\n<p><span data-contrast=\"auto\">Untuk kegunaan sebelum persaraan:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Dana Akaun 2 lebih fleksibel dengan tujuan pengeluaran berikut:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Pembelian rumah:<\/span><\/b><span data-contrast=\"auto\"> Membantu pekerja memiliki rumah sendiri.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Pendidikan: <\/span><\/b><span data-contrast=\"auto\">Menampung yuran universiti pekerja sendiri atau anak.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Kesihatan:<\/span><\/b><span data-contrast=\"auto\"> Sokongan kewangan untuk rawatan penyakit kritikal.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Pengurangan pinjaman perumahan: <\/span><\/b><span data-contrast=\"auto\">Pelunasan lebih awal untuk mengurangkan beban ke atas kadar faedah.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3>Akaun Fleksibel (Akaun 3):<\/h3>\n<p><b><span data-contrast=\"auto\">Diperkenalkan pada Mei 2024<\/span><\/b><span data-contrast=\"auto\">: Akaun tambahan yang memberikan akses fleksibel kepada sebahagian dana sebelum bersara.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">10% daripada Akaun 2 dipindahkan secara automatik:<\/span><\/b><span data-contrast=\"auto\"> Dengan mekanisme ini, pekerja tidak perlu memohon secara manual.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Pengeluaran tanpa syarat:<\/span><\/b><span data-contrast=\"auto\"> Boleh digunakan pada bila-bila masa sekiranya diperlukan secara mendesak.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Dividen KWSP<\/h2>\n<h3><strong>Kadar Dividen Tahunan<\/strong><\/h3>\n<p><span data-contrast=\"auto\">Dividen KWSP merupakan faedah tambahan kepada simpanan pekerja dan diagihkan berdasarkan keuntungan tahunan pelaburan KWSP. Berikut adalah kadar dividen berdasarkan rekod terkini:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">2023: <\/span><\/b><span data-contrast=\"auto\">5.50% <\/span><b><span data-contrast=\"auto\">(Konvensional)<\/span><\/b><span data-contrast=\"auto\">, 5.40% <\/span><b><span data-contrast=\"auto\">(Syariah)<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">2022: <\/span><\/b><span data-contrast=\"auto\">5.35% <\/span><b><span data-contrast=\"auto\">(Konvensional)<\/span><\/b><span data-contrast=\"auto\">, 4.75% <\/span><b><span data-contrast=\"auto\">(Syariah)<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">2021:<\/span><\/b><span data-contrast=\"auto\"> 6.10% <\/span><b><span data-contrast=\"auto\">(Konvensional)<\/span><\/b><span data-contrast=\"auto\">, 5.65% <\/span><b><span data-contrast=\"auto\">(Syariah)<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">2020:<\/span><\/b><span data-contrast=\"auto\"> 5.20% <\/span><b><span data-contrast=\"auto\">(Konvensional)<\/span><\/b><span data-contrast=\"auto\">, 4.90% <\/span><b><span data-contrast=\"auto\">(Syariah)<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">2019:<\/span><\/b><span data-contrast=\"auto\"> 5.45% <\/span><b><span data-contrast=\"auto\">(Konvensional)<\/span><\/b><span data-contrast=\"auto\">, 5.00% <\/span><b><span data-contrast=\"auto\">(Syariah)<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><strong>Pengiraan Dividen<\/strong><\/h3>\n<p><span data-contrast=\"auto\">Dividen KWSP dikira berdasarkan:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Baki terendah bulanan:<\/span><\/b><span data-contrast=\"auto\"> Meliputi baki minimum dalam akaun pada akhir setiap bulan sepanjang tahun.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Dikreditkan setiap tahun:<\/span><\/b><span data-contrast=\"auto\"> Dividen diagihkan sebelum pengumuman laporan tahunan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Pengumuman pada Februari\/Mac: <\/span><\/b><span data-contrast=\"auto\">Selepas audit laporan tahunan, pelabur boleh melihat dividen ini dalam baki akaun masing-masing.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Salah satu cara paling efektif untuk meningkatkan dividen KWSP adalah dengan membuat caruman tambahan secara sukarela. Dengan menambah jumlah wang dalam akaun KWSP anda, faedah dividen anda juga akan bertambah secara automatik.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><strong>Tambahan Caruman Sukarela<\/strong><\/h2>\n<h3>Kelebihan:<\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Dividen yang lebih tinggi: <\/span><\/b><span data-contrast=\"auto\">Semakin besar jumlah duit simpanan, semakin tinggi jumlah dividen yang anda terima.<\/span><b><span data-contrast=\"auto\">\u00a0\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Pelepasan cukai: <\/span><\/b><span data-contrast=\"auto\">Caruman sukarela anda juga layak untuk pelepasan cukai sehingga RM4,000 setahun, termasuk caruman wajib dan insurans nyawa.<\/span><b><span data-contrast=\"auto\">\u00a0\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3>Tips:<\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">\u00a0Mulakan caruman walaupun dalam jumlah kecil seperti RM50 atau RM100 sebulan.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">\u00a0Pastikan tidak melebihi had maksimum RM60,000 setahun untuk caruman sukarela.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">\u00a0Gunakan wang lebihan seperti bonus atau pendapatan tambahan untuk dimasukkan ke dalam akaun KWSP anda.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><strong>Pilih Akaun Konvensional atau Islam<\/strong><\/h2>\n<p><b><span data-contrast=\"auto\">KWSP menawarkan dua pilihan akaun kepada pencarum: <\/span><\/b><span data-contrast=\"auto\">Akaun Konvensional (Simpanan Konvensional) dan Akaun Simpanan Shariah (Islamik). Kedua-dua akaun ini menyediakan pulangan yang berbeza bergantung pada strategi pelaburan masing-masing.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>\u00a0Cara Memilih Akaun yang Sesuai:<\/h3>\n<p><b><span data-contrast=\"auto\">&#8211; Kajian prestasi: <\/span><\/b><span data-contrast=\"auto\">Semak laporan tahunan KWSP untuk membandingkan kadar dividen terkini bagi kedua-dua jenis akaun.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">&#8211; Keutamaan individu: <\/span><\/b><span data-contrast=\"auto\">Pilih Akaun Simpanan Shariah jika anda mementingkan kepatuhan Syariah, manakala Akaun Konvensional sesuai untuk mereka yang memberi keutamaan kepada potensi pulangan lebih tinggi.<\/span><b><span data-contrast=\"auto\">\u00a0\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Penting: Pindahan ke Akaun Simpanan Shariah hanya boleh dilakukan sekali, dan tidak boleh diubah kembali kepada Akaun Konvensional. Pastikan anda YAKIN sebelum membuat pilihan.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Pantau Prestasi Pelaburan KWSP<\/strong><\/h2>\n<p><span data-contrast=\"auto\">Untuk memaksimumkan dividen, anda disarankan untuk sentiasa memantau prestasi pelaburan KWSP. Dengan memahami strategi pelaburan dan sektor yang mendapat fokus KWSP, anda boleh membuat keputusan kewangan yang lebih baik.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Sumber untuk Memantau Prestasi:<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Laporan Tahunan KWSP: <\/span><\/b><span data-contrast=\"auto\">Laporan ini memberikan gambaran jelas mengenai sektor pelaburan seperti hartanah, bon, dan ekuiti.<\/span><b><span data-contrast=\"auto\">\u00a0\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Portal Rasmi KWSP: <\/span><\/b><span data-contrast=\"auto\">Maklumat terkini tentang pelaburan dan pengumuman dividen akan diterbitkan di laman web atau aplikasi mudah alih KWSP.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Berita Kewangan: <\/span><\/b><span data-contrast=\"auto\">Ikuti berita ekonomi dan kewangan untuk mendapatkan pandangan terhadap prestasi pelaburan KWSP anda pada masa depan!<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Dengan sentiasa mengikuti perkembangan <\/span><\/b><a href=\"https:\/\/www.kwsp.gov.my\/ms\/lain-lain\/sumber-maklumat\/dividen\"><b><span data-contrast=\"none\">pelaburan KWSP<\/span><\/b><\/a><b><span data-contrast=\"auto\">, anda boleh memahami potensi dividen yang akan anda peroleh.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2>Mengapa Memaksimumkan Dividen Itu Penting?<\/h2>\n<p><span data-contrast=\"auto\">Memaksimumkan dividen KWSP sebenarnya adalah langkah bijak untuk menjamin kestabilan kewangan jangka panjang. Berikut adalah beberapa sebab mengapa anda harus fokus meningkatkan dividen:\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Persaraan selesa: <\/span><\/b><span data-contrast=\"auto\">Simpanan yang lebih besar memberikan pendapatan yang lebih stabil semasa bersara.<\/span><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Kekuatan kompaun: <\/span><\/b><span data-contrast=\"auto\">Simpanan yang besar memberikan anda kelebihan untuk menikmati kesan pengkompaunan dividen yang lebih tinggi.<\/span><b><span data-contrast=\"auto\">\u00a0\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Perlindungan terhadap inflasi: <\/span><\/b><span data-contrast=\"auto\">Dengan dividen yang lebih tinggi<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Skim caruman Kumpulan Wang Simpanan Pekerja &#8211; KWSP 2025 ditetapkan untuk memastikan pekerja[&#8230;]<\/p>\n","protected":false},"author":10,"featured_media":111,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-110","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>KWSP 2025: Segala Yang Anda Perlu Tahu<\/title>\n<meta name=\"description\" content=\"Skim KWSP 2025 memastikan semua pekerja di Malaysia mempunyai simpanan mencukupi untuk persaraan melalui caruman majikan dan pekerja.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.info-tech.com.my\/blog\/malay\/kwsp-2025-segala-yang-anda-perlu-tahu\/\" \/>\n<meta property=\"og:locale\" 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