Start from January 2008, our contribution for EPF just only 8% from our gross salary until 2010. This mean is reduce 3% from 11%. This is because our government need us spend more, so economic just can growth. It is really good for us? I know everybody also know the answer. Hehe. Many people will say 3% too little only, how to spend? Since there is no so much difference, they prefer to contribute 11%. For me, I don’t know how the performance of KWSP in future, so better get money first. Hehe