Invest Using EPF

Invest in Unit Trust using your EPF savings?

Yes, you can use your EPF savings to invest in unit trust.

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.

MAAKL MUTUAL is 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.

Source: MAAKL

Eligibility & Requirement

  1. All investments must be made through the Fund Management Institutions (FMIs) approved by the Ministry of Finance
  2. Investments can be made at a three-month interval from the date of the last transfer, subject to balance of savings in Account 1
  3. Subsequent investments may be made with the same FMI or other approved FMI. However, members can only invest through one FMI at a time.
Required Basic Savings in Account 1
AGE

(YEARS)
BASIC SAVINGS

(RM)
18 1,000
19 2,000
20 4,000
21 5,000
22 7,000
23 9,000
24 11,000
25 13,000
26 15,000
27 18,000
28 21,000
29 24,000
30 27,000
31 30,000
32 34,000
33 37,000
34 41,000
35 46,000
36 50,000
AGE

(YEARS)
BASIC SAVINGS

(RM)
37 54,000
38 59,000
39 64,000
40 69,000
41 76,000
42 81,000
43 88,000
44 95,000
45 102,000
46 109,000
47 117,000
48 125,000
49 134,000
50 143,000
51 153,000
52 163,000
53 174,000
54 185,000
55 196,800

Example of How To Calculate The Allowable Investment Amount

Member Age Savings in Account 1

(RM)
Basic Savings

(RM)
Computation: Savings inAccount 1 – Basic Savings X 20% Member's Eligiility
A 22 4,000 7,000 Not qualified as
the savings is lesser
than the basic savings required.
B 22 8,000 7,000 (8,000-7,000) x 20%
=
RM200
Not qualified as the savings is
lesser than the required
minimum investment amount of RM1,000.
C 25 20,000 13,000 (20,000-13,000) x 20%
= RM1,400
Qualified as the savings is
more than the basic savings
and minimum limit.
D 40 40,000 69,000 Not qualified as
the savings is lesser than
the basic savings required.
E 45 120,000 102,000 (120,000-102,000) x 20% = RM3,600 Qualified as the savings is
more than the basic savings
and minimum limit.
Sources: KWSP & MAAKL

List of Approved Funds


Souce: KWSP

Contact us for more information