EPF MEMBER’S INVESTMENT SCHEME
EPF Withdrawal Estimator
 
 
Current Age *  
Current Balance In EPF Account 1*: RM
Current Amount Available For EPF Members' Investment Scheme **: RM
 

*   Compulsory Field
**   To withdraw from EPF Account I for approved unit trust investment, you must meet minimum withdrawal amount of RM1,000 and above.
  • EPF Member Investment Scheme
  • Required Basic Savings in Account 1
EPF Member Investment Scheme
With the rising inflation rate and living standard, it is important that you invest to increase your retirement savings and to avoid a significant decrease in your future purchasing power. Consider investing via EPF Members Investment Scheme to help achieve your retirement goal.
What is EPF Investment Scheme?
EPF Member Investment Scheme allows EPF members to invest 20% of the amount in excess of the required Basic Savings in Account 1 through an appointed unit trust management company by the Ministry of Finance.
Benefits of Investment through EPF Members Investment Scheme
  1. No Cash Investment Required – Investment is transacted from your EPF Account 1.
  2. Diversification – Opportunity to diversify your retirement funds with EPF-qualified unit trust funds.
  3. Overseas Investment Exposure – Diversity abroad with domestic funds that can invest up to 30% of the fund’s net asset value in foreign markets.
  4. Capital Appreciation – Opportunity to reap capital growth as part of the return on your investment to boost the total value of your EPF savings.
How to Invest?
  1. The amount that can be invested is 20% of the savings in excess of the Basic Savings required in Account 1.
  2. Minimum investment is RM1,000.
  3. Investments can be made once every three months.
  4. Sales Charge per unit – up to 3% of net asset value per unit as regulated by the EPF.
Find Out if You Qualify
  1. Check your account balance at any EPF Smart Kiosk* nationwide by using your Mykad or;
  2. Refer to your latest EPF statement or;
  3. Log on to EPF website (www.kwsp.gov.my) if you are an i-Akaun registered user.
Required Basic Savings in Account 1

 

 

*# Effective 1 January 2014

 

Source: Emplyees Provident Fund (EPF)

 

Example:
Mr A is 35 years old. From his EPF latest statement, the amount in his Account 1 is RM80,000. According to the above Basic Savings table, his basic savings required in Account 1 is RM46,000. This means he is qualified to withdraw the minimum RM1,000 and maximum RM6,800 from his EPF savings to be invested in unit trust.
CALCULATION: (RM80,000 – RM46,000) X 20% =RM6,800

 

EPF- Qualified Funds offered by Public Mutual
EPF-Qualified Funds With Foreign
Exposure*
Shariah-based Conventional
EQUITY FUNDS
Public Index Fund    
Public Industry Fund  
Public Regular Savings Fund    
Public Focus Select Fund  
Public Dividend Select Fund  
Public Sector Select Fund    
Public Select Alpha-30 Fund  
Public Optimal Growth Fund    
Public Ittikal Fund  
Public Islamic Equity Fund  
Public Islamic Dividend Fund  
Public Islamic Sector Select Fund    
Public Islamic Select Treasures Fund    
Public Islamic Alpha-40 Growth Fund  
Public Islamic Optimal Growth Fund    
Public Islamic Select Enterprises Fund    
PB Islamic Equity Fund  
BOND FUND
Public Enhanced Bond Fund  
Public Select Bond Fund    
Public Strategic Bond Fund ✔#  
Public Islamic Enhanced Bond Fund  
Public Islamic Select Bond Fund  
Public Islamic Infrastructure Bond Fund ✔#  
Public Islamic Strategic Bond Fund ✔#  
PB Islamic Bond Fund  
PB Infrastructure Bond Fund ✔#    
FIXED INCOME FUND
Public Islamic Income Fund    
MONEY MARKET FUND
Public Islamic Money Market Fund    
PB Cash Management Fund    

* These funds have mandate to invest up to 30% of the fund’s net asset value (NAV) in overseas market.

# This fund has mandate to invest up to 25% of the fund’s NAV in overseas market.

 



Please note that the EPF Calculator is intended only as a guide and does not provide any legal or definite advice. Neither Public Mutual Berhad nor any of its directors, officers, agents, associates or employees take responsibility of the accuracy of the information of the EPF calculator.

 

Interested Investors can:


  • Contact any Public Mutual Unit Trust Consultants

  • Customer
    Service Hotline at:

    03 - 6207 5000
    (Kuala Lumpur)

    04 - 305 5000
    (Penang)


    05 - 210 5000
    (Ipoh)

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