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当你以我们的视频及刊物上的内容作为参考时，你需要：
查询相关资料是否依然合时、准确和完整；和
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When you apply the content in our videos and publications as a reference, you need to:
check the information contained therein whether it’s up-to-date, accurate and complete, and
seek your own independent professional advice, this is because the scope and extent involved in each individual case are different.
Wednesday, November 11, 2020
2021 财政预算案 点评 - 1
1. 雇员公积金 [EPF] 缴纳率将从2021年1月起从现有的11%下调至9%
2. 为期12个月，2021年1月开始执行，因此 contribution month 会是2月
3. 个人认为，这是强制性的
4. 如果不想调低的，应该需要申请
5. 这个下调，只影响会员年龄< 60岁的公积金会员
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