{"id":85028,"date":"2024-05-24T10:36:32","date_gmt":"2024-05-24T02:36:32","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=85028"},"modified":"2025-06-11T15:53:34","modified_gmt":"2025-06-11T07:53:34","slug":"bagus-atau-tidak-pengeluaran-wang-kwsp","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/bm\/bagus-atau-tidak-pengeluaran-wang-kwsp\/","title":{"rendered":"Akaun 3 KWSP: Pindahan Amaun ke Akaun 3 Adalah Pilihan Yang Baik Atau Buruk?"},"content":{"rendered":"\n

KWSP (Kumpulan Wang Simpanan Pekerja) telah melancarkan akaun baharu?– Yeap! <\/strong>Iaitu Akaun 3 KWSP<\/strong><\/a> yang bertujuan untuk memenuhi keperluan kewangan jangka pendek ahli.<\/p>\n\n\n\n

Dan anda diberikan kelonggaran<\/strong> untuk melakukan pengeluaran duit<\/strong> dari Akaun 2 (Akaun Sejahtera) anda ke Akaun 3 iaitu Akaun Fleksibel.<\/p>\n\n\n\n

Dengan pengenalan Akaun 3 oleh KWSP ini, dapat memudahkan ahli menguruskan kewangan<\/strong> mereka secara lebih fleksibel. Namun, kebebasan ini juga boleh membawa risiko pengurusan wang<\/strong> yang tidak efisien<\/strong> jika tidak diurus dengan bijak.<\/p>\n\n\n\n

Persoalannya sekarang… berbaloi ke tak nak buat pindahan wang ni? Hmm jom kita bahas tentangnya!<\/p>\n\n\n\n

\n\n\n\nBerbaloi ke Tidak?<\/h2>
Pilihan Pindahan Amaun Permulaan<\/a><\/li>
Senario Tentang Proses Pindahan<\/a><\/li>
Cara Pindah Duit Amaun Permulaan Dari Akaun 2 ke Akaun 3 KWSP<\/a><\/li>
Cara Untuk Menyemak Status Permohonan Pindahan Amaun Permulaan<\/a><\/li>
Berbaloi atau Tidak Lakukan Pindahan Amaun Dalam Akaun KWSP?<\/a><\/li>
Apa Yang Anda Boleh Lakukan Dengan Duit Pengeluaran?<\/a><\/li><\/ul><\/div>\n\n\n\n
\n\n\n\n
Ia adalah satu keputusan serius yang perlu pertimbangan mendalam. Meskipun menarik sebagai solusi cepat dalam ekonomi yang mencabar ini.<\/p>\n\n\n\n
Pilihan Pindahan Amaun Permulaan<\/h2>\n\n\n\n
$\"pilihan$ <\/figure>\n\n\n\n
Seperti yang anda semua sedia maklum, anda diberi pilihan untuk mengeluarkan <\/strong>atau melakukan pindahan amaun<\/strong> dari Akaun 2 (Akaun Sejahtera)<\/strong> ke Akaun 3 (Akaun Fleksibel)<\/strong>. Tetapi, terdapat had maksimum<\/strong> untuk pindahan ini! <\/p>\n\n\n\n
Pindahan ini hanya boleh dilakukan sekali sahaja<\/strong> melalui aplikasi i-Akaun KWSP atau di cawangan KWSP mulai 12 Mei 2024<\/strong> hingga<\/strong> 31 Ogos 2024<\/strong>. <\/p>\n\n\n\n
Setelah permohonan ini diproses ianya tidak boleh dibatalkan.<\/strong><\/p>\n\n\n\n
Senario Tentang Proses Pindahan<\/h2>\n\n\n\n
Mesti ada yang tertanya kan, berapa je jumlah yang boleh dikeluarkan dari akaun 2 ke akaun 3 ni? Di bawah adalah penerangannya: <\/p>\n\n\n\n
Proses pindahan ini bergantung pada baki dalam Akaun 2 <\/strong>pada masa permohonan. <\/p>\n\n\n\n
\n
Jika baki melebihi RM3,000<\/strong>, sebahagian daripada baki akan dipindahkan ke Akaun 3 dan Akaun 1. <\/strong><\/li>\n<\/ul>\n\n\n\n\n
Bagi baki yang kurang dari RM3,000<\/strong>, keseluruhan atau sebahagian daripada jumlah itu akan dipindahkan ke Akaun 3 tanpa pengagihan ke Akaun 1.<\/strong><\/li>\n<\/ul>\n\n\n\n
$\"\"$ <\/figure>\n<\/div>\n\n\n
Untuk penerangan lebih lanjut boleh layari laman web rasmi KWSP<\/a> atau melalui aplikasi i-Akaun.<\/p>\n\n\n\n
Cara Pindah Duit Amaun Permulaan Dari Akaun 2 ke Akaun 3 KWSP<\/h2>\n\n\n\n
\n<\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Untuk melakukan pindahan duit sebagai amaun permulaan dari Akaun 2 ke Akaun 3 KWSP, anda boleh mengikuti langkah-langkah di bawah:<\/p>\n\n\n\n<p><strong>1. Log Masuk ke i-Akaun<\/strong>: Akses i-Akaun KWSP anda melalui aplikasi KWSP i-Akaun atau laman web KWSP.<\/p>\n\n\n\n<p><strong>2.<\/strong> <strong>Pilih Pilihan Pindahan<\/strong>: Cari pilihan untuk pindahan dana dari Akaun 2 ke Akaun 3. Ini biasanya terletak dalam bahagian pengurusan akaun atau transaksi.<\/p>\n\n\n\n<p><strong>3. Isi Borang Pindahan<\/strong>: Isi borang pindahan yang diperlukan, termasuk memilih jumlah yang ingin dipindahkan. Pastikan anda mematuhi had maksimum yang ditetapkan.<\/p>\n\n\n\n<p><strong>4.<\/strong> <strong>Sahkan Maklumat<\/strong>: Pastikan semua maklumat yang dimasukkan adalah tepat, termasuk jumlah pindahan.<\/p>\n\n\n\n<p><strong>5. Hantar Permohonan<\/strong>: Setelah mengisi dan mengesahkan semua maklumat, hantar permohonan pindahan anda.<\/p>\n\n\n\n<p><strong>6. Tunggu Pengesahan<\/strong>: Pindahan biasanya akan mengambil masa beberapa hari bekerja untuk diproses. Anda akan menerima pengesahan melalui emel atau notifikasi dalam i-Akaun anda setelah proses pindahan selesai.<\/p>\n\n\n\n<p>Ingat, pindahan ini hanya <strong>boleh dilakukan sekali sahaja<\/strong> dan <strong>dalam jangka waktu tertentu<\/strong> yang telah ditetapkan oleh KWSP. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cara-untuk-menyemak-status-permohonan-pindahan-amaun-permulaan\">Cara Untuk Menyemak Status Permohonan Pindahan Amaun Permulaan<\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-4-3 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Cara Semak Status Permohonan Pindahan Amaun Permulaan Duit Dari Akaun 2 Ke Akaun 3 KWSP i-Akaun App\" width=\"1290\" height=\"968\" src=\"https:\/\/www.youtube.com\/embed\/oU6dM8vzgEI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Untuk menyemak status permohonan pindahan amaun permulaan dari Akaun 2 ke Akaun 3 KWSP, anda boleh mengikuti langkah-langkah berikut:<\/p>\n\n\n\n<p><strong>1. Akses i-Akaun KWSP<\/strong>: Log masuk ke i-Akaun KWSP anda melalui aplikasi KWSP i-Akaun atau laman web KWSP.<\/p>\n\n\n\n<p><strong>2. Pergi ke Bahagian Transaksi atau Permohonan<\/strong>: Cari bahagian yang berkaitan dengan transaksi atau permohonan di dalam <em>dashboard<\/em> i-Akaun anda.<\/p>\n\n\n\n<p><strong>3.<\/strong> <strong>Pilih ‘Semakan Status’<\/strong>: Cari pilihan untuk menyemak status permohonan pindahan. Ini biasanya terletak di bawah menu transaksi atau permohonan.<\/p>\n\n\n\n<p><strong>4. Masukkan Maklumat yang Diperlukan<\/strong>: Jika diminta, masukkan maklumat yang diperlukan seperti tarikh permohonan atau nombor rujukan permohonan.<\/p>\n\n\n\n<p><strong>5.<\/strong> <strong>Lihat Status Permohonan<\/strong>: Status permohonan anda akan dipaparkan. Status mungkin termasuk “Dalam Proses”, “Diluluskan”, atau “Ditolak”.<\/p>\n\n\n\n<p><strong>6.<\/strong> <strong>Dapatkan Maklumat Lanjut Jika Perlu<\/strong>: Jika terdapat isu atau keperluan untuk maklumat lanjut, anda mungkin boleh menghubungi pusat khidmat pelanggan KWSP atau berkunjung ke cawangan KWSP terdekat.<\/p>\n\n\n\n<p>Jangan lupa untuk selalu <strong>pastikan maklumat log masuk anda selamat<\/strong> dan <strong>log keluar dari i-Akaun anda setelah selesai<\/strong> untuk mengelakkan akses yang tidak dibenarkan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-berbaloi-atau-tidak-lakukan-pindahan-amaun-dalam-akaun-kwsp\">Berbaloi atau Tidak Lakukan Pindahan Amaun Dalam Akaun KWSP?<\/h2>\n\n\n\n<p>Berdasarkan tajuk di atas, apa jawapan anda? Ya atau tidak?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-1024x683.webp\" alt=\"berbaloi atau tidak melakukan pindahan amaun kwsp dari akaun 2 ke akaun 3\" class=\"wp-image-85190\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-1024x683.webp 1024w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-300x200.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-768x512.webp 768w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-1536x1024.webp 1536w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-2048x1365.webp 2048w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-370x247.webp 370w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-1290x860.webp 1290w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-1080x720.webp 1080w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-865x577.webp 865w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-3-642x428.webp 642w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Sebelum melakukan pindahan amaun dari Akaun 2 KWSP, penting untuk menilai kesan jangka panjangnya terhadap simpanan persaraan anda. <\/p>\n\n\n\n<p>Meskipun tampak sebagai solusi cepat untuk masalah kewangan, namun penting juga untuk mempertimbangkan bagaimana ia akan <strong>mempengaruhi kestabilan kewangan<\/strong> anda pada masa depan.<\/p>\n\n\n\n<p>Jadi, pandangan saya tentang soalan ini adalah <strong><em>“tepuk dada tanya selera”.<\/em><\/strong><\/p>\n\n\n\n<p>Jika anda sedang <strong>menghadapi keadaan mendesak<\/strong> yang memerlukan dana, pengeluaran wang ini mungkin menjadi <strong>pilihan yang berguna<\/strong> untuk anda. <\/p>\n\n\n\n<p>Namun, <strong>jika tidak<\/strong>, pertimbangkan untuk <strong>menyimpannya demi kestabilan finansial<\/strong> masa depan anda saat bersara.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-apa-yang-anda-boleh-lakukan-dengan-duit-pengeluaran\">Apa Yang Anda Boleh Lakukan Dengan Duit Pengeluaran?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-1024x683.webp\" alt=\"antara perkara yang boleh dilakukan dengan duit pengeluaran kwsp\" class=\"wp-image-85188\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-1024x683.webp 1024w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-300x200.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-768x512.webp 768w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-1536x1024.webp 1536w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-2048x1365.webp 2048w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-370x247.webp 370w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-1290x860.webp 1290w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-1080x720.webp 1080w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-865x577.webp 865w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/kwsp-4-642x428.webp 642w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Dana pengeluaran KWSP boleh digunakan untuk pelbagai tujuan bergantung pada keperluan dan keadaan kewangan anda. Berikut adalah beberapa cara umum bagaimana wang tersebut boleh dimanfaatkan:<\/p>\n\n\n\n<p><strong>1. Keperluan Kecemasan<br><\/strong>Menyediakan dana untuk situasi kecemasan atau tidak terduga, seperti kehilangan pekerjaan atau bencana alam.<\/p>\n\n\n\n<p><strong>2. Perubatan<\/strong><br>Menampung kos perubatan untuk rawatan kesihatan yang serius untuk diri sendiri atau ahli keluarga.<\/p>\n\n\n\n<p><strong>3. Pelunasan Hutang<\/strong><br>Mengurangkan atau <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\"><a href=\"https:\/\/www.directlending.com.my\/ms\/blog\/cara-selesaikan-hutang-lapuk\/?utm_source=iqi&utm_medium=blog&utm_campaign=collab24&utm_term=bl&utm_content=pengeluaran_kwsp\" target=\"_blank\" rel=\"noreferrer noopener\">melunaskan hutang-hutang<\/a><\/mark> seperti pinjaman peribadi atau kad kredit.<\/p>\n\n\n\n<p><strong>4. Pendidikan<\/strong><br>Membiayai pendidikan sendiri atau anak-anak, seperti yuran pengajian tinggi atau kursus-kursus kemahiran profesional.<\/p>\n\n\n\n<p><strong>5. Pelaburan Kewangan<\/strong><br>Melabur dalam instrumen kewangan seperti saham, bon, atau unit amanah untuk pertumbuhan modal jangka panjang.<\/p>\n\n\n\n<p><strong>6. Pelaburan Hartanah<br><\/strong>Menggunakan wang untuk pembelian, pembinaan, atau pembaharuan rumah sebagai aset atau untuk kediaman sendiri.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_medium\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">Peluang emas sedang menanti anda di Industri Hartanah! Sertai kami sekarang untuk menggali potensi tidak terbatas dalam pelaburan hartanah dan capai matlamat kewangan anda.<\/mark><\/strong><\/p>\n\n\n\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/recruit\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/85028\">\n\n <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"e9f9697486\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/85028\" \/>\n <div class=\"custom-lead-form-div\">\n <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n <input type=\"text\" name=\"full_name\" 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Guinea\">Equatorial Guinea<\/option><option value=\"Eritrea\">Eritrea<\/option><option value=\"Estonia\">Estonia<\/option><option value=\"Ethiopia\">Ethiopia<\/option><option value=\"Europa Island\">Europa Island<\/option><option value=\"Falkland Islands\">Falkland Islands<\/option><option value=\"Faroe Islands\">Faroe Islands<\/option><option value=\"Fiji\">Fiji<\/option><option value=\"Finland\">Finland<\/option><option value=\"France\">France<\/option><option value=\"French Guiana\">French Guiana<\/option><option value=\"French Polynesia\">French Polynesia<\/option><option value=\"French Southern and Antarctic Lands\">French Southern and Antarctic Lands<\/option><option value=\"Gabon\">Gabon<\/option><option value=\"Gaza Strip\">Gaza Strip<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Germany\">Germany<\/option><option value=\"Ghana\">Ghana<\/option><option value=\"Gibraltar\">Gibraltar<\/option><option value=\"Glorioso Islands\">Glorioso Islands<\/option><option value=\"Greece\">Greece<\/option><option value=\"Greenland\">Greenland<\/option><option value=\"Grenada\">Grenada<\/option><option value=\"Guadeloupe\">Guadeloupe<\/option><option value=\"Guam\">Guam<\/option><option value=\"Guatemala\">Guatemala<\/option><option value=\"Guernsey\">Guernsey<\/option><option value=\"Guinea\">Guinea<\/option><option value=\"Guinea-Bissau\">Guinea-Bissau<\/option><option value=\"Guyana\">Guyana<\/option><option value=\"Haiti\">Haiti<\/option><option value=\"Heard Island and McDonald Islands\">Heard Island and McDonald Islands<\/option><option value=\"Holy See\">Holy See<\/option><option value=\"Honduras\">Honduras<\/option><option value=\"Hong Kong (SAR)\">Hong Kong (SAR)<\/option><option value=\"Howland Island\">Howland Island<\/option><option value=\"Hungary\">Hungary<\/option><option value=\"Iceland\">Iceland<\/option><option value=\"India\">India<\/option><option value=\"Indonesia\">Indonesia<\/option><option value=\"Iran\">Iran<\/option><option value=\"Iraq\">Iraq<\/option><option value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option value=\"Libya\">Libya<\/option><option value=\"Liechtenstein\">Liechtenstein<\/option><option value=\"Lithuania\">Lithuania<\/option><option value=\"Luxembourg\">Luxembourg<\/option><option value=\"Macau (SAR)\">Macau (SAR)<\/option><option value=\"Madagascar\">Madagascar<\/option><option value=\"Malawi\">Malawi<\/option><option value=\"Malaysia\">Malaysia<\/option><option value=\"Maldives\">Maldives<\/option><option value=\"Mali\">Mali<\/option><option value=\"Malta\">Malta<\/option><option value=\"Marshall Islands\">Marshall Islands<\/option><option value=\"Martinique\">Martinique<\/option><option value=\"Mauritania\">Mauritania<\/option><option value=\"Mauritius\">Mauritius<\/option><option value=\"Mayotte\">Mayotte<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Micronesia\">Micronesia<\/option><option value=\" Federated States of\"> Federated States of<\/option><option value=\"Midway Islands\">Midway Islands<\/option><option value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n <\/select>\n <\/div>\n\n <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n \t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n <p>\n <button type=\"submit\">Submit<\/button>\n <\/p>\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n <\/form>\n\n\t<style>\n .full-width-input {\n width: 100%;\n padding: 8px;\n box-sizing: border-box;\n }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; \/* soft orange border *\/\n\t\t\tborder-radius: 30px;\n\t\t\toverflow: hidden;\n\t\t\tbackground-color: #fff9f8;\n\t\t\tmax-width: 100%;\n\t\t}\n\n\t\t#country-code-display {\n\t\t\tpadding: 10px 14px;\n\t\t\tbackground-color: #f3f3f3;\n\t\t\tborder-right: 1px solid #ffb199;\n\t\t\tfont-size: 16px;\n\t\t\tcolor: #333;\n\t\t\twhite-space: nowrap;\n\t\t}\n\n\t\t#phone_number_input {\n\t\t\tflex: 1;\n\t\t\tborder: none;\n\t\t\tpadding: 10px 14px;\n\t\t\tfont-size: 16px;\n\t\t\tbackground-color: transparent;\n\t\t\toutline: none;\n\t\t}\n <\/style>\n <script src=\"https:\/\/www.google.com\/recaptcha\/api.js?render=6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC\"><\/script>\n\t<script>\n\t\tconst malaysianStates = [\"Johor\",\"Kedah\",\"Kuala Lumpur\",\"Melaka\",\"Negeri Sembilan\",\"Pahang\",\"Penang\",\"Perak\",\"Perlis\",\"Sabah\",\"Sarawak\",\"Selangor\",\"Terengganu\"];\n\t\tdocument.addEventListener('DOMContentLoaded', function () {\n\t\t\tconst locationSelect = document.querySelector('select[name=\"location\"]');\n\t\t\tconst countryCodeDisplay = document.getElementById('country-code-display');\n\t\t\tconst phoneInput = document.getElementById('phone_number_input');\n\t\t\tconst finalPhoneInput = document.getElementById('final_phone_number');\n\n\t\t\tfunction updateFinalPhoneNumber() {\n\t\t\t\tconst code = countryCodeDisplay.textContent;\n\t\t\t\tconst number = phoneInput.value.trim();\n\t\t\t\tfinalPhoneInput.value = code + number;\n\t\t\t}\n\n\t\t\tlocationSelect.addEventListener('change', function () {\n\n\t\t\t\tconst selectedState = this.value;\n\n\t\t\t\t\/\/ Check if selected value is in malaysianStates array\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\n\t\t\t\t\/\/ It's a Malaysian state \u2014 set code\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tconst form = document.getElementById('custom-lead-form');\n\t\t\tconst error = document.getElementById('interest-error');\n\t\t\tconst recaptchaError = document.getElementById('recaptcha-error');\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault();\n\n\t\t\t\tupdateFinalPhoneNumber();\n\n\t\t\t\tgrecaptcha.ready(function () {\n grecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' }).then(function (token) {\n document.getElementById('g-recaptcha-response').value = token;\n form.submit();\n });\n });\n\t\t\t});\n\t\t});\n\t<\/script>\n <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_medium\">\n\n\n\n<p class=\"has-text-align-center\"><strong>Baca Selanjutnya:<\/strong><\/p>\n\n\n\n<p><strong>1. <a href=\"https:\/\/iqiglobal.com\/blog\/bm\/iqi-global-mengungguli-agensi-hartanah-di-malaysia\" target=\"_blank\" rel=\"noreferrer noopener\"><mark> <\/mark><\/a><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\"><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/cara-guna-kwsp-online-untuk-beli-rumah\" target=\"_blank\" rel=\"noreferrer noopener\">Cara Guna Duit Pengeluaran KWSP Untuk Beli Rumah<\/a><\/mark><\/strong><\/p>\n\n\n\n<p><strong>2. <a href=\"https:\/\/iqiglobal.com\/blog\/bm\/5-pelaburan-dari-duit-pencen\" target=\"_blank\" rel=\"noreferrer noopener\"><mark><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">5 Pelaburan yang Menguntungkan & Selamat untuk Dilabur dari Duit Pencen<\/mark><\/mark><\/a><\/strong><\/p>\n\n\n\n<p><strong>3. <a href=\"https:\/\/iqiglobal.com\/blog\/bm\/senarai-pelepasan-cukai\" target=\"_blank\" rel=\"noreferrer noopener\">Senarai Pelepasan Cukai Peribadi dan Insentif Malaysia 2024<\/a><\/strong><\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>KWSP (Kumpulan Wang Simpanan Pekerja) telah melancarkan akaun baharu?– Yeap! Iaitu Akaun 3 KWSP yang bertujuan untuk memenuhi keperluan kewangan jangka pendek ahli. Dan anda diberikan kelonggaran untuk melakukan pengeluaran duit dari Akaun 2 (Akaun Sejahtera) anda ke Akaun 3 iaitu Akaun Fleksibel. Dengan pengenalan Akaun 3 oleh KWSP ini, dapat memudahkan ahli menguruskan kewangan mereka secara…<\/p>\n","protected":false},"author":42,"featured_media":85264,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[255],"tags":[10504,10390,10386,10394,7061],"class_list":["post-85028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita-perkembangan","tag-akaun-3","tag-akaun-fleksibel","tag-epf-bm","tag-kwsp-bm","tag-malaysia-ms-ms"],"yoast_head":"\n<title>Akaun 3 KWSP: Peluang atau Perangkap?<\/title>\n<meta name=\"description\" content=\"Bagus atau tidak lakukan pindahan wang KWSP ni? 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