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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!


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

Basic savings
Basic savings


2,000 37 68,000


4,000 38 74,000


6,000 39 80,000


8,000 40 86,000


10,000 41 93,000


13,000 42 101,000


15,000 43 108,000


18,000 44 116,000


21,000 45 125,000


24,000 46 134,000


27,000 47 144,000


31,000 48 154,000


35,000 49 164,000


39,000 50 175,000


43,000 51 187,000


47,000 52 199,000


52,000 53 212,000


57,000 54 226,000


62,000 55 240,000

Please refer to the EPF website located at for detailed information related to withdrawals.


Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) unit trust funds qualified under EPF’s member investment scheme.

The following is the list of unit trust funds qualified under EPF’s member investment scheme effective 1 April 2022.

Fund category Conventional funds Islamic funds
  • Manulife Investment Greater China Fund
  • Manulife India Equity Fund
  • Manulife Investment Asia-Pacific REIT Fund
  • Manulife Investment Al-Faid
  • Manulife Investment Al-Fauzan
  • Manulife Investment Shariah Asia-Pacific Ex Japan Fund
  • Manulife Investment Shariah Progress
  • Manulife Shariah – Dana Ekuiti
Mixed assets
  • Manulife Investment Balanced Fund
  • Manulife Investment-CM Flexi Fund
  • Manulife Investment-HW Flexi Fund
  • Manulife Investment Al-Umran
  • Manulife Investment-HW Shariah Flexi Fund
  • Manulife Bond Plus Fund
  • Manulife Investment Bond Fund
  • Manulife Investment As-Saad
Money market
  • Manulife Investment Money Market Fund - Class A
  • Manulife Investment Al-Ma’mun - Class A
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