The withdrawal of "Special Voluntary Contribution" (SVC) are not governed by regulation and members can withdraw SVC assets at anytime if needed. While for "Tax Deductible Voluntary Contribution" (TVC), contributions made to the TVC accounts are eligible for tax deduction under salaries tax or tax under personal assessment. TVC aims at encouraging members to have extra savings for retirement, thus a TVC account holder can only withdraw the TVC upon reaching age 65 or on other statutory grounds.
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