EPF INVESTMENT
Why Invest with us?
We have one of the most experienced management teams in the industry – with more than 88 years combined management expertise. More importantly, WE WILL HELP YOU INVEST SUCCESSFULLY!
Diversification
Our stable encompasses both conventional and Shariah-compliant funds, ranging from equity and balanced to bond and money market instruments, in order to meet your investment objectives.
Proper Selection of Funds
Our unit trust advisers are well trained to help you select your funds appropriately using our proprietary Six-Step Process. Furthermore, to help you better comprehend your investment needs, we have developed MY PLANNERS, the most visually interactive investment planning tool in the Malaysian unit trust industry.
Constant Monitoring
Our unit trust advisers are equipped with MHO – a sophisticated, state-of-the-art unit trust investment monitoring system, to help you keep track of your investments. This system allows our unit trust advisers to send reports to you at anytime, anywhere, and comes with an invaluable alert system that prompts your unit trust adviser once your targeted returns have been achieved.
So what is this EPF Members' Investment Scheme?
Since November 1996, all eligible EPF contributors are allowed to withdraw part of their savings to invest in unit trusts through external fund managers appointed by the Ministry of Finance.
We are an officially appointed Fund Management Institution that offers the EPF Members’ Investment Scheme. Your investment in this scheme will allow diversification of your EPF savings into many possible investment portfolios.
Who can participate in the EPF Members' Investment Scheme?
Starting 1 January 2017, EPF members are allowed to invest not more than 30% of the total amount in excess of their Basic Savings in Account 1 through the Appointed Fund Management Institutes approved by the Ministry of Finance.
The minimum amount of savings that can be transferred is RM1,000 and can be made at intervals of three (3) months from the date of the last transfer, subject to the availability of the Basic Savings required in Account 1.
Required Basic Savings in Account 1
| AGE (YEARS) |
BASIC SAVINGS (RM) |
AGE (YEARS) |
BASIC SAVINGS (RM) |
|---|---|---|---|
| 18 | 2,000 | 37 | 68,000 |
| 19 | 4,000 | 38 | 74,000 |
| 20 | 6,000 | 39 | 80,000 |
| 21 | 8,000 | 40 | 86,000 |
| 22 | 10,000 | 41 | 93,000 |
| 23 | 13,000 | 42 | 101,000 |
| 24 | 15,000 | 43 | 108,000 |
| 25 | 18,000 | 44 | 116,000 |
| 26 | 21,000 | 45 | 125,000 |
| 27 | 24,000 | 46 | 134,000 |
| 28 | 27,000 | 47 | 144,000 |
| 29 | 31,000 | 48 | 154,000 |
| 30 | 35,000 | 49 | 164,000 |
| 31 | 39,000 | 50 | 175,000 |
| 32 | 43,000 | 51 | 187,000 |
| 33 | 47,000 | 52 | 199,000 |
| 34 | 52,000 | 53 | 212,000 |
| 35 | 57,000 | 54 | 226,000 |
| 36 | 62,000 | 55 | 240,000 |
Calculation Methods for Allowable Investment Amount
| Member | Age | Savings in Account 1 (RM) |
New Basic Savings (RM) |
Calculation for Investment (30%) | Member's Eligibility |
|---|---|---|---|---|---|
| A | 22 | 4,000 | 10,000.00 | - | Member is not eligible. Savings in Account 1 is less than the new Basic Savings |
| B | 22 | 11,000 | 10,000.00 | RM11,000.00 – RM10,000.00 x 30% = RM300.00 | Member is not eligible. Minimum eligible amount is RM1,000.00 |
| C | 25 | 24,000 | 18,000.00 | RM24,000.00 – RM18,000.00 x 30% = RM1,800 | Member is eligible. Minimum eligible amount is RM1,000.00 and the maximum amount is RM1,800.00 |
Please refer to the EPF website located at www.kwsp.gov.my for detailed information related to withdrawals.
Substantially lower service charges for unit trust investment under the EPF Members' Investment Scheme
Starting 1 January 2008, EPF members pay substantially lower service charges for unit trust investments. This means EPF members only pay a maximum of 3 percent in charges, as compared to the previous service charges of about 5 to 6 percent.
With the lower service charges, EPF members can look forward to potentially better returns from their unit trust investments.
Manulife Investment Management (M) Berhad (formerly known as Manulife Asset Management Services Berhad) Registration No: 200801033087 (834424-U) Unit Trust Funds Available For EPF-MIS
| The following is the list of unit trust funds available for Employees Provident Fund - Members Investment Scheme (EPF-MIS) effective 1 March 2019. |
| Fund Category | Conventional Funds | Islamic Funds |
| Equity |
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| Mixed Assets | ||
| Bond | ||
| Money Market | ||
| Balanced | ||