KWAP Malaysia

In today’s unpredictable economy, managing money is as much about mindset as it is about numbers. Emotions, habits, and beliefs all shape the way we spend and save.   Join Aiman Syaqirin Sharudin, Senior Associate of KWAP’s Corporate Treasury Department, as he shares his insights on "How Your Mindset Shapes Your Wallet" for this Rise & Thrive edition. 1. How does emotion influence your financial decisions?   I see emotions kind of like “market sentiment” in personal finance, they can push your decisions up or down, and not always in a logical way. Sometimes excitement makes you buy something on impulse, sometime fear can cause you to delay investments. For me, the trick is to treat big financial decisions like long-term investments, block out the noise and focus on the fundamentals.   2. Do you consider yourself a spender or a saver — and why?   In the real world, there’s always a need to strike a balance between spending and saving. Knowing how to spend wisely while setting aside enough for savings is crucial. Personally, setting clear goals has helped me stay disciplined, allowing me to diversify my spending towards things I consider truly value-adding, while still maintaining adequate savings for the future. I make this easier by assigning a fixed percentage of my income to savings and investment every month.   3. How can people shift from scarcity to abundance mindset?   In an organizational context, financial management isn’t just about checking the current cash balance, it also involves evaluating its potential to generate future value. The same principle applies to personal finance. An abundance mindset develops when you see money not only as something to protect, but also as a tool to create opportunities. Consider allocating part of your income toward initiatives that drive long-term growth, whether in financial assets or experiences that build skills.   4. What money beliefs have you had to unlearn?   Following from the idea of shifting from a scarcity to an abundance mindset, one belief I had to unlearn is the notion that you must have a large sum before you can start saving or investing. In reality, starting small and being consistent often beats waiting for a one-time windfall. Over time, disciplined contributions even amounts as modest as RM50 can build a meaningful safety net and open the door to long term financial growth.  5. Self-reward culture especially in the newer generation is now commonly practiced as part of a temporary mental relief. What's your view on this habit?  I believe everyone needs motivation and small joys. But just like your daily food intake, balance and moderation are key. Occasional rewards can be healthy, but if short terms gratification consistently takes priority over long term goals, you risk undermining your future financial security. The best rewards are the ones you can enjoy today without stealing from tomorrow.   #KWAP #KWAPMalaysia #YourRetirementCompanion #MalaysiaMADANI #MADANIBekerja

KWAP merakamkan setinggi-tinggi penghargaan kepada pihak Setiausaha Kerajaan Negeri (SUK) dan para majikan yang telah hadir ke Program Jelajah Transformasi Pencarum (JTP) Zon Tengah – Sesi 1, yang telah berlangsung pada 19 Ogos 2025. Bertempat di Pejabat Utama KWAP di Menara Integra, Kuala Lumpur, program ini telah disertai oleh wakil-wakil daripada SUK Kedah, SUK Negeri Sembilan, SUK Perlis, dan SUK Sarawak. Selain itu, lebih daripada 60 peserta yang mewakili 20 majikan terpilih daripada pelbagai agensi turut sama hadir ke program ini. JTP merupakan sebahagian daripada pelan strategik KWAP untuk memperkukuh hubungan dengan pemegang taruh, di samping memperkenalkan sistem pengurusan caruman yang lebih moden, telus dan mesra pengguna. Sepanjang program ini berlangsung, para peserta berpeluang untuk mengetahui tentang transformasi sistem pengurusan caruman serta pengenalan kepada sistem baharu, memahami perubahan yang bakal dilaksanakan, termasuk cabaran yang mungkin dihadapi bagi sistem caruman baharu ini. KWAP turut melaksanakan penilaian tahap kesiapsiagaan majikan terhadap pelaksanaan sistem caruman baharu, termasuk potensi kesan daripada perubahan tersebut. Penilaian ini dilaksanakan berdasarkan empat dimensi utama pengurusan perubahan, iaitu: manusia, proses kerja, teknologi dan tadbir urus. #KWAP #KWAPMalaysia #TemanPersaraanAnda #MalaysiaMADANI #MADANIBekerja

Recently, KWAP was honoured to be invited to present at the SAGA Government Agencies Conference 2025 (SeGAC25), held from 18–20 August 2025 at Bertam Resort. The conference was launched by YBhg. Datuk Nor Yati Ahmad, Accountant General, and hosted by Persatuan Akauntan Sektor Awam Malaysia. Puan Idora Baharudin, who represented KWAP, shared on the topic “Penerapan Kerangka dan Amalan Kemampanan di Organisasi.” In her session, she explained on KWAP’s Sustainability Agenda anchored on its 5 Pledges, and highlighted KWAP’s journey towards building a climate-smart nation while continuously creating long-term value for stakeholders, especially pensioners. We would like to thank the organiser for the invitation, and we hope more collaboration can be fostered for a better and sustainable future. #KWAP #KWAPMalaysia #YourRetirementCompanion #MalaysiaMADANI #MADANIBekerja

🌟 Exciting News! 🌟 KWAP, in partnership with CFA Society Malaysia, will be at the CFA Career Fair on Saturday, 23 August 2025 at DoubleTree by Hilton Kuala Lumpur! This is your chance to meet our team, explore exciting career opportunities, and discover what it’s like to be part of KWAP’s journey. Don’t miss out — stop by our booth and take the first step towards a rewarding career with us! Know someone who’s looking for their next big opportunity? Share this with your network and help connect talent with possibility. See you there! 👋 #KWAP #KWAPMalaysia #YourRetirementCompanion

"Youth for the Future – Leading with Purpose" “What does RIZZ mean, actually?” This International Youth Day 2025, as we celebrate youth who are not only creating their own language but also driving meaningful impact in their communities, we invited a few leaders to decode Gen Z slang — sparking fun, laughter, and meaningful cross-generational moments. From slay to W, Gen Z language reflects a generation that’s bold, expressive, and unapologetically creative, and it’s a glimpse into how today’s youth are shaping the future. But beyond the slang lies something deeper: a generation ready to lead with purpose, influence culture, and bring fresh perspectives to the table. What’s your favourite Gen Z word? And do you know what it really means? #KWAP #KWAPMalaysia #YourRetirementCompanion #MalaysiaMADANI #MADANIBekerja

KWAP was honored to participate in the ASEAN Business Community Development (ABCD) Forum 2025, held at the Kuala Lumpur Convention Centre on 8 August 2025. Representing KWAP on the distinguished panel, our Chief Digital Officer, Encik Maz Mirza Mohd Aminurashid, shared valuable insights on “Scaling ASEAN’s Digital Future – AI, E-Commerce and Inclusive Tech.” He was joined on stage by esteemed regional digital leaders: Mr. Souliyo Vongdala – Co-founder & CEO, Loca-Laos (Lao PDR) H.E. Ms. Chea Ratha – Secretary of State, Ministry of Commerce (Cambodia) Mr. Edy Sulistyo – CEO & Founder, Everywhere.ID (Indonesia) Dr. Non Arkaraprasertkul – Senior Expert, Digital Economy Promotion Agency, DEPA (Thailand) With nearly 1,500 delegates from across ASEAN, the forum sparked impactful discussions on accelerating digital growth, fostering regional collaboration, and driving inclusive innovation. As digital transformation continues to reshape industries, KWAP remains dedicated to embedding forward-thinking digital strategies into our operations. We proudly support Malaysia’s national agenda to strengthen its position as a key player in the digital economy—delivering sustainable, long-term value to our stakeholders in this evolving landscape. #KWAP #KWAPMalaysia #YourRetirementCompanion #MalaysiaMADANI #MADANIberkerja

KWAP is proud to announce that our Customer Service Section has been awarded the ISO 9001:2015 Quality Management System certification. A significant milestone that reflects our ongoing commitment to service excellence and continuous improvement in customer experience. ISO 9001:2015 is an internationally recognised standard that sets out the criteria for a quality management system. It affirms our ability to consistently deliver services that meet both customer and regulatory requirements, while enhancing operational efficiency and fostering continuous improvement. The certificate was officially presented by Ts. Md. Adha Katni@Rahmat, Chief Executive Officer of SIRIM QAS International Sdn Bhd, to Puan Zarina Halim, Chief Retirement Services Officer of KWAP and it was witnessed by YBhg. Datuk Omar Shariff Mydeen, Chairman of SIRIM QAS International Sdn Bhd, at KWAP Main Office in Kuala Lumpur. This achievement reaffirms our commitment as “Your Retirement Companion” through quality service that makes a difference! #KWAP #KWAPMalaysia #YourRetirementCompanion #MalaysiaMADANI #MADANIBekerja

KWAP berbesar hati kerana telah dijemput untuk sama-sama memeriahkan Program Larian Majlis Amanat Perdana Perkhidmatan Awam (MAPPA) XX 2025 anjuran Jabatan Perkhidmatan Awam (JPA) dan Institut Tadbiran Awam Negara (INTAN) di Dataran Putrajaya pada hujung minggu lalu. Lebih 12,000 peserta termasuk 74 warga kerja KWAP telah mengambil bahagian dalam acara yang cukup meriah ini. Kehadiran YBhg. Datuk Johan Mahmood Merican, Ketua Setiausaha Perbendaharaan Kementerian Kewangan merangkap Pengerusi KWAP, turut menyerikan lagi acara dan memberikan suntikan semangat kepada para peserta. Melalui aktiviti gaya hidup sihat ini, semangat perpaduan dan kesukanan yang tinggi dapat dipupuk dalam diri peserta yang datang daripada pelbagai Kementerian dan Agensi. KWAP sentiasa menyokong usaha ke arah kesejahteraan dan produktiviti warga kerja serta pihak berkepentingan kami melalui acara sebegini. Syabas kepada JPA, INTAN dan semua yang turut terlibat dalam menjayakan Larian MAPPA XX 2025! #KWAP #KWAPMalaysia #TemanPersaraanAnda #MalaysiaMADANI #MADANIBekerja

Work is always better when you've got teammates who turn into friends — the ones who've got your back during crucial deadlines and meeting targets. So cheers to the office laughs, group chats, and friendships that stick around long after the last email is sent. Happy International Friendship Day! #KWAP #KWAPMalaysia #YourRetirementCompanion #MADANI

Interested applicants may email your resume to career@kwap.gov.my by 29 August 2025 with the respective position applied as the subject. *Only successful candidates will be contacted. #KWAP #KWAPMalaysia #YourRetirementCompanion