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Saat-saat menanti telah tiba, jangan lepaskan peluang untuk mengetahui tarikh kelulusan dan bayaran dikreditkan ke dalam KWSP Akaun 3.
Kini, kesempatan anda untuk mengambil langkah proaktif dalam merancang masa depan kewangan yang lebih cerah adalah di sini. Bagaimana jika peluang itu telah berada di hujung jari Anda? Semak sekarang , jangan tunda lagi!
KWSP Akaun 3: Semak sekarang tarikh kelulusan & bayaran dikreditkan
Dalam arus pemodenan yang serba canggih, kemudahan mengakses maklumat kewangan secara digital menjadi nadi kehidupan rakyat. Merujuk kepada satu perkara kritikal dalam pengurusan kewangan individu, Akaun 3 KWSP mengambil peranan yang tidak terpisahkan dalam merancang masa depan yang lebih stabil dan selamat. Dengan itu, adalah penting bagi setiap pencarum untuk mengetahui tarikh kelulusan dan jadual pembayaran yang dikreditkan untuk memastikan semua perancangan kewangan berjalan dengan lancar dan efisien.
KWSP Akaun 3
Penstrukturan semula akaun KWSP adalah bertujuan untuk memperkukuh jaminan pendapatan persaraan dan memenuhi keperluan kitaran hayat ahli.
Penstrukturan semula akaun KWSP melibatkan perubahan daripada dua (2) akaun kepada tiga (3) akaun seperti berikut:
i. Akaun sedia ada dinamakan semula daripada Akaun 1 kepada “Akaun Persaraan”; dan Akaun 2 pula dinamakan “Akaun Sejahtera” tanpa perubahan pada tujuan kedua-dua akaun tersebut;
ii. Memperkenalkan akaun ketiga iaitu “Akaun Fleksibel”;
iii. Simpanan dalam Akaun Fleksibel boleh diakses atau dikeluarkan oleh ahli pada bila-bila mengikut keperluan, tertakluk kepada terma dan syarat.
iv. Caruman baharu yang diterima selepas tarikh kuat kuasa akan dikreditkan ke dalam akaun mengikut nisbah 75:15:10 iaitu Akaun Persaraan (75%), Akaun Sejahtera (15%) dan Akaun Fleksibel (10%).
Cara Daftar Akaun 3 KWSP
Selepas tarikh pelaksanaan, ahli mempunyai pilihan untuk memindahkan sebahagian daripada baki simpanan (rujuk soalan 12) dalam Akaun Sejahtera sebagai amaun permulaan ke Akaun Fleksibel.
Penentuan amaun permulaan dalam Akaun Fleksibel adalah tertakluk kepada baki simpanan dalam Akaun Sejahtera ahli pada tarikh permohonan pilihan amaun permulaan seperti berikut:
Bagi ahli yang mempunyai baki simpanan RM3,000 dan ke atas dalam Akaun Sejahtera
Baki simpanan dalam Akaun Sejahtera diagihkan mengikut nisbah berikut:
- i. Sepuluh per tiga puluh (10/30) ke Akaun Fleksibel;
- ii. Lima belas per tiga puluh (15/30) kekal dalam Akaun Sejahtera; dan
- iii. Lima per tiga puluh (5/30) ke Akaun Persaraan.
Bagi ahli yang mempunyai baki simpanan kurang daripada RM3,000 dalam Akaun Sejahtera
- i. Akaun Sejahtera yang mempunyai simpanan RM1,000 dan ke bawah, semua amaun dipindahkan ke Akaun Fleksibel.
- ii. Akaun Sejahtera yang mempunyai simpanan melebihi RM1,000 dan tidak melebihi RM3,000, amaun yang dipindahkan ke Akaun Fleksibel adalah RM1,000, manakala baki adalah kekal dalam Akaun Sejahtera.
- iii. Tiada pindahan akan dibuat ke Akaun Persaraan bagi simpanan dalam Akaun Sejahtera kurang dari RM3,000.
Baki Akaun Sejahtera RM1,000 dan ke bawah:
Ahli boleh membuat pilihan pindahan amaun permulaan dalam Akaun Fleksibel melalui saluran berikut:
- i. KWSP i-Akaun ; atau
- ii. Self-Service Terminal (SST) di mana-mana pejabat KWSP.
Tarikh Daftar / Permohonan Pindahan Amaun
- Ahli boleh memilih untuk memindahkan jumlah permulaan antara 12 Mei 2024 dan 31 Ogos 2024.
- Pemilihan ini hanya boleh dibuat sekali pada bila-bila masa dalam tempoh ini dan tidak boleh dibatalkan.
- Jika ahli tidak memilih untuk memindahkan jumlah permulaan, baki dalam Akaun Prosperity dan Akaun Flexi sedia ada akan kekal.
- Pada masa yang sama, sumbangan baharu akan dikreditkan ke Akaun Persaraan, Akaun Kemakmuran dan Akaun Fleksibel. Pengeluaran dari akaun adalah tertakluk kepada Terma dan Syarat Pengeluaran semasa.
Tarikh Kelulusan Pemindahan
Pilihan pindahan amaun permulaan ke Akaun 3 / Akaun Fleksibel akan diluluskan dalam tempoh 3-5 hari bekerja.
Ahli dibenarkan untuk membuat pengeluaran daripada Akaun Fleksibel pada bila-bila masa tertakluk kepada terma dan syarat yang ditetapkan. Walau bagaimanapun, KWSP menggalakkan pengeluaran cuma digunakan pada waktu kecemasan dan untuk keperluan mendesak sahaja.
Cara Mohon Pengeluaran Akaun 3
Ahli boleh memohon Pengeluaran Akaun Fleksibel melalui saluran berikut:
i. KWSP i-Akaun; atau
ii. Kaunter KWSP
Kaedah Bayaran Pengeluaran Akaun 3
Bayaran bagi Pengeluaran Akaun 3 Fleksibel KWSP akan dibayar secara pengkreditan terus ke dalam akaun bank ahli.
Berikut adalah merupakan syarat-syarta yang perlu anda penuhi sebelum melakukan pembayaran pengeluaran fleksibel akaun 3:
- Akaun bank (simpanan atau semasa) yang masih aktif; dan
- Akaun bank adalah didaftarkan atas nama ahli sendiri (bukan akaun bersama/ syarikat)
Peringatan:
Ahli yang tidak mempunyai akaun bank adalah dinasihatkan untuk membuka akaun bank sebelum membuat permohonan Pengeluaran Akaun Fleksibel.
KWSP Akaun 3 : Tarikh Kelulusan / Bayaran Pengeluaran
Bayaran pengeluaran dari Akaun Fleksibel / Akaun 3 KWSP akan dibuat dalam tempoh tujuh (7) hari bekerja selepas permohonan diluluskan.
Maklumat Lanjut
Untuk mengetahui maklumat terkini tentang Akaun 3 ini, sila dapatkan maklumat sahih melalui saluran rasmi Kumpulan Wang Simpanan Pekerja di:
- Facebook : Kumpulan Wang Simpanan Pekerja
- Hotline : 03-8922 6000
- Laman web rasmi : https://www.kwsp.gov.my
- Kenyataan media: https://www.kwsp.gov.my/ms/w/penstrukturan-akaun-kwsp-
- Soalan Lazim (FAQ) Akaun 3 : https://www.kwsp.gov.my/ms/penstrukturan-akaun
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