Have you got your Jan'09 or Feb'09 salary slip from your employer? If yes, did you check through your salary slip to see whether your request to maintain your contribution rate at 11% has been processed accordingly? Just make sure your EPF contribution is 11%. Actually, the contribution rate is not exactly at 11%. There are slight differences. You can refer to EPF Third Schedule or KWSP Jadual Ketiga. You will find the structure of contribution rates (in Ringgit Malaysia), for both employee and employer. You will get a clearer picture of your monthly EPF deduction.
If you opted for the 8% contributions, you will need to refer to EPF - Amendment of Third Schedule to know the new contribution amount. KWSP required all employers to follow this new structure. You can read the news here.
Let's keep growing our nest egg!