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	<title>Financial Freedom &#187; EPF</title>
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	<link>http://financialrich.com</link>
	<description>Wealth Building, Retire Early, Personel Money, Financial Planning, Saving Tips</description>
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		<title>EPF Dividend For 2009</title>
		<link>http://financialrich.com/2010/03/05/epf-dividend-for-2009/</link>
		<comments>http://financialrich.com/2010/03/05/epf-dividend-for-2009/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 15:42:09 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[EPF]]></category>

		<guid isPermaLink="false">http://financialrich.com/2010/03/05/epf-dividend-for-2009/</guid>
		<description><![CDATA[The Employees Provident Fund (EPF) declared 5.65 percent of dividend for the financial year ended December 2009. Compare to previous year, which is only 4.5 percent given. &#160; EPF still having prudent portfolio with 72.53% of&#160; total investment was invested in fixed income instruments, 27.05% in equities and the remainder in property. As at Dec [...]]]></description>
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		<slash:comments>7</slash:comments>
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		<title>Invest Unit Trust With EPF Saving</title>
		<link>http://financialrich.com/2010/01/03/invest-unit-trust-with-epf-saving/</link>
		<comments>http://financialrich.com/2010/01/03/invest-unit-trust-with-epf-saving/#comments</comments>
		<pubDate>Sun, 03 Jan 2010 12:55:27 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[EPF]]></category>
		<category><![CDATA[Invesment]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://financialrich.com/2010/01/03/invest-unit-trust-with-epf-saving/</guid>
		<description><![CDATA[Employee Provident Fund or EPF saving can be used for investment if you are capable to outperform the dividend declared by EPF.&#160; EPF members can withdraw their EPF saving from Account 1 for investment in unit trust fund. &#160; There are few criteria for you to withdraw and invest You have achieve the Basic Saving [...]]]></description>
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		<slash:comments>4</slash:comments>
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		<title>Reasons For Low EPF Dividend</title>
		<link>http://financialrich.com/2009/12/17/reasons-for-low-epf-dividend/</link>
		<comments>http://financialrich.com/2009/12/17/reasons-for-low-epf-dividend/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 02:35:39 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[EPF]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/12/17/reasons-for-low-epf-dividend/</guid>
		<description><![CDATA[EPF dividend declared had been always a hot topic to discuss each years. Most of the people complain that the dividend given is too low. Most investor can get higher than it or roughly 8 to 10 percent by investing it in unit trust. More aggressive investor that tend to invest in stock market sometimes [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>EPF Withdrawal</title>
		<link>http://financialrich.com/2009/12/07/epf-withdrawal/</link>
		<comments>http://financialrich.com/2009/12/07/epf-withdrawal/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 13:17:00 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[EPF]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/12/07/epf-withdrawal/</guid>
		<description><![CDATA[As most of us know that EPF fund is for retirement expenses. Therefore, we can only take out the saving when we start retire from working. Basically, this is what I understand about EPF fund for. However, in actual, we can withdraw the saving even during pre-mature period or withdrawal before retire. &#160; EPF saving [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Check EPF Online</title>
		<link>http://financialrich.com/2009/12/03/check-epf-online/</link>
		<comments>http://financialrich.com/2009/12/03/check-epf-online/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 10:02:59 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[EPF]]></category>
		<category><![CDATA[Tips]]></category>

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		<description><![CDATA[EPF (Employee Provident Fund) had provided online portal or i-akaun for their customer since 2005. Employees and employers can check their EPF stuff online through EPF website. &#160; Sometimes we need to check our EPF balance especially when we change to new employer. Fraud might occur due to carelessness of the admin. So please check [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Nominate EPF Beneficiaries</title>
		<link>http://financialrich.com/2009/11/25/nominate-epf-beneficiaries/</link>
		<comments>http://financialrich.com/2009/11/25/nominate-epf-beneficiaries/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 22:49:01 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[EPF]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/11/25/nominate-epf-beneficiaries/</guid>
		<description><![CDATA[Continue from my previous Employee Provident Fund (EPF) series of posts about Malaysian EPF and EPF Contribution, today is the most important, your EPF beneficiaries nomination.&#160; &#160; Most people know that it is crucial to nominate their family members or closed relatives&#160; as the beneficiaries of their wealth during their life time. It is the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>EPF Contribution</title>
		<link>http://financialrich.com/2009/11/07/epf-contribution/</link>
		<comments>http://financialrich.com/2009/11/07/epf-contribution/#comments</comments>
		<pubDate>Sat, 07 Nov 2009 03:23:23 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[EPF]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/11/07/epf-contribution/</guid>
		<description><![CDATA[Historically, employees contribute 11% of their monthly salary while their employers contribute 12% of your monthly salary. All together, 23% of your monthly salary is contributed to your EPF account. &#160; Start from&#160; January 2009, government allow employees to reduce their EPF contributions voluntarily from 11% to 8% for two years until Dec 2010. Voluntarily [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Malaysian EPF</title>
		<link>http://financialrich.com/2009/11/05/malaysian-epf/</link>
		<comments>http://financialrich.com/2009/11/05/malaysian-epf/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 13:22:58 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[EPF]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/11/05/malaysian-epf/</guid>
		<description><![CDATA[All employees in Malaysia have a retirement fund called Employee Provident Fund aka EPF. The purpose of the EPF is to help Malaysian to have a saving account for retirement. However, there are also self-employed provident fund from private sector. The purpose is the same, saving for retirement. &#160; There are two accounts in the [...]]]></description>
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		<slash:comments>5</slash:comments>
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