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EPF Benefits VS Carrier Benefits by Public Mutual.

EPF:
Define Contribution scheme by employer and employee/staff.
Utilize upon reach retirement age.
Depend on monthly salary.
The higher the salary the higher the contribution.
Applicable for nomination.

Carrier Benefits:
Contribute by employer to UTC.
Not need to wait for retirement age.
Depends on total sales, paid monthly to bank account.
The more the sales, the more the carrier benefits.
Applicable for nomination. TC applied.