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malaysia-epf-explainer

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Use when asked how EPF works, how much KWSP my employer should pay, what are Akaun Persaraan, Sejahtera and Fleksibel, when can I withdraw EPF, can I use EPF for my house, or 公积金怎么算 in Malaysia. Produces how the person's EPF contributions are split across the accounts, a contribution check against payslips, the withdrawal routes with their conditions, voluntary contribution options, and the figures to confirm with KWSP.

plugins/pm-sea/skills/malaysia-epf-explainer/SKILL.md

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# Malaysia EPF Explainer (KWSP)

The Employees Provident Fund is the main retirement savings for most private-sector workers in Malaysia. People lose out through unchecked employer contributions, through spending the flexible account early, and through not knowing which withdrawals are allowed before 55. This skill explains the person's EPF plainly, checks the numbers they give, and lays out their options.

Write in English unless the person asks for Malay or Chinese (马来西亚华文, Simplified script). Contribution rates, the account structure and withdrawal rules are set by KWSP and change; mark every figure to confirm on kwsp.gov.my. This is information, not financial advice.

## Required Inputs

Ask for these if not provided:
- **Status**: Malaysian, permanent resident or foreign worker; employee or self-employed
- **Age** and **monthly wages**, including any bonus or allowances
- **Account balances** if known, from the KWSP app (i-Akaun)
- **Question**: checking contributions, a withdrawal (housing, education, health, age 55 or 60), voluntary contributions, or moving abroad
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