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2010 version of the STPM Certificate mockup. The Malaysian Higher School Certificate (Malay: Sijil Tinggi Persekolahan Malaysia), commonly abbreviated as STPM, is a pre-university examination in Malaysia.
Legally, the EPF is only obligated to provide 2.5% dividends (as per Section 27 of the Employees Provident Fund Act 1991). [ 7 ] The EPF claims that the lowered dividend is the result of its decision to invest in low-risk fixed revenue instruments, which produce lower returns but maintains the principal value of its members' contributions.