Employees’ Provident Fund (EPF) is a federal statutory body under the purview of the Ministry of Finance that manages the compulsory savings plan and retirement planning for private sector workers in Malaysia. Membership of the EPF is mandatory for Malaysian citizens employed in the private sector, and voluntary for non-Malaysian citizens. Employees Provident Fund members comprise private and non-pensionable public-sector employees and those who have opted to contribute.


All regular full-time employees who are members, holding an account and savings in the Employees’ Provident Fund.

Employee Contributions

You are required to contribute a percentage of covered earnings based on an age-related scale:


Employee’s Status Monthly Salary Rate Stage 1
(Below 60 years old)
Stage 2
(Age 60 and above)
i. Malaysian
ii. Permanent Residents (PR)
iii. Non-Malaysians (registered as member before 1 August 1998)
No limit Applicable for (i) only
Employees share: 0%
Employer’s share: 4%
RM5,000 and below Employees share: 11%
Employer’s share: 13%
Applicable for (ii) and (iii) only
Employees share: 5.5%
Employer’s share: 6.5%
More than RM5,000 Employees share: 11%
Employer’s share: 12%
Applicable for (ii) and (iii) only
Employees share: 5.5%
Employer’s share: 6%
Non-Malaysians (registered as member from 1 August 1998) No limit Employees share: 11%
Employer’s share: RM5.00
Employees share: 5.5%
Employer’s share: RM5.00

Note: Contribution percentages are updated by the Malaysian Government. Updated Employees’ Provident Fund percentages can be viewed online on the Employees’ Provident Fund website. If you want to maintain your current contribution level, you can complete the KWSP17A form.

Pensionable Earnings

  • Earnings are defined as all remuneration that includes your monthly base salary, bonuses, allowances, commissions, payment of unused leaves and other payments.
  • Exclusions are service charges, overtime pay, gratuity, termination benefits, and travelling allowances.

To get your online EPF statement:

  • Please call KWSP at (60)3 8922 6000 and obtain the i-Akaun activation code.
  • Login to KSWP Employees’ Provident Fund, click on “First Time Login”, once your account has been set up, you can view your Employees’ Provident Fund statement.


You would be automatically enrolled in Employee Provident Fund upon joining VMware.

 Normal Retirement Benefits

Benefit is accumulated contributions plus dividends (guaranteed at 2.5% per year).

You will have the option for savings withdrawal under the EPF:

  • A one-time lump sum withdrawal at age 55
  • An election for periodic withdrawals
  • Combination of both listed above

You may also withdraw only dividends, accruing after age 55,  without withdrawing the principal savings.

When Coverage Begins

Coverage begins on the first day of your employment at VMware.

When Coverage Ends

Coverage ends on the end of your last day of service with the VMware.

Contact Us

Contact HR Source [VMware network access required]
ASK HR [VMware network access required]
Phone: 1-888-869-2738

KWSP Employees’ Provident Fund
Phone: (60)3 8922 6000
Visit website


Form KWSP17A: Current Contribution Level

Last Updated: 2 Jan 2022, 9:34 AM