In short, pretty much anyone except pensionable public sector employees.

EPFs members fall into 2 basic categories: 

• those that have to contribute to EPF  
• those that can contribute voluntarily.

Those that have to contribute are both private sector and non-pensionable public sector employees. Do you know that you and your employer can choose to contribute more than normal contribution rates of 11% (employee) and 12-13% (employer)? There is no hard cap to how much you can contribute. It simply requires you or your employer to submit a form to the EPF office. 

If you don’t want to commit to contributing more every month, EPF also allows you to make voluntary contributions towards your EPF savings. If you’ve got a bit of extra savings, you can put that money into your EPF account. The cap for how much can put in voluntarily is RM60,000 per year. 

What if you don’t have an employer? Well, you can still save in EPF by making voluntary contributions. Go to an EPF counter near you, to get started.