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 Members Investment Scheme
  • Required Basic Savings in Account 1
Optimise Your EPF Savings
Boost the value of your Employees Provident Fund (EPF) savings to increase your future purchasing power. Consider EPF Members Investment Scheme (EPF-MIS) when you plan for a comfortable retirement lifestyle.
What is EPF Members Investment Scheme?
  • A scheme that allows EPF members to withdraw a portion of their savings for investment in unit trusts.
  • Qualified EPF members can choose to invest into EPF-qualified unit trust funds with fund management institutions (IPD) appointed under EPF-MIS.
The Benefits of Investing through EPF-MIS
  • Investment is transacted directly from your EPF Account 1.
  • A wide range of EPF-qualified unit trust funds is offered to meet varying risk appetites of EPF members.
  • Diversify abroad with domestic funds that can invest up to 30% of the fund's Net Asset Value (NAV) in foreign markets.
  • Opportunity to reap capital growth as part of the investment returns.
How to Invest?
  • The amount that can be invested is 20% of the amount in excess of the required Basic Savings in Account 1.
  • Minimum investment is RM1,000.
  • Investments can be made once every three months.
  • Sales Charge per unit – up to 3%^ of NAV per unit as regulated by the KWSP.

    ^ With effect from 1 April 2015, the above sales charge is subject to Goods and Services Tax (GST) which is payable by you.
Find Out if You Qualify
  • Check your account balance at any EPF Smart Kiosk** nationwide by using your Mykad or;
  • Refer to your latest EPF statement or;
  • Log on to www.kwsp.gov.my if you are an i-Akaun registered user.

    ** Please refer to www.kwsp.gov.my for detailed information related to Smart Kiosk location and operation hours.


Required Basic Savings in Account 1




Source: Employees Provident Fund (EPF)


Sarah is 35 years old. From her EPF latest statement, the amount in her Account 1 is RM80,000. According to the above Basic Savings table, the required basic savings in her Account 1 is RM46,000. Thus, she is qualified to withdraw a minimum of RM1,000 and maximum of RM6,800 from her EPF savings to be invested in unit trusts.
CALCULATION: (RM80,000 – RM46,000) X 20% =RM6,800


EPF- Qualified Funds offered by Public Mutual
EPF-Qualified Funds^^ With Foreign
Shariah-based Conventional
Public Index Fund    
Public Industry Growth Fund 
( Formerly known as 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 Ittikal Sequel Fund  
Public Islamic Equity Fund  
Public Islamic Dividend Fund  
Public Islamic Sector Select Fund    
Public Islamic Select Treasures Fund    
Public Islamic Treasures Growth Fund  ✔  
Public Islamic Alpha-40 Growth Fund  
Public Islamic Optimal Growth Fund    
Public Islamic Savings Fund  ✔  
Public Islamic Select Enterprises Fund    
PB Growth Fund  
PB Growth Sequel Fund  
PB Islamic Equity Fund  
Public Islamic Mixed Asset Fund  ✔  
Public Enhanced 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 ✔#  
Public Sukuk Fund  
PB Bond Fund  
PB Islamic Bond Fund  
PB Infrastructure Bond Fund ✔#   ✔ 
PB Sukuk Fund ✔   
Public Islamic Money Market Fund    
PB Cash Management Fund    

^^ Effective 30 April 2015. These EPF-qualified funds are subject to annual review by the KWSP. Please refer to
    www.kwsp.gov.my for the latest list of EPF-qualified funds

 * Limit on foreign exposure is up to 30% of the fund’s NAV.

 # Limit on foreign exposure is up to 25% of the fund’s NAV.


Note: There are fees and charges incurred when investing in the above mentioned funds. Please refer to the respective fund's Master Prospectus and Product Highlights Sheet for details of the fees and charges.


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

    05 - 210 5000
          07 - 360 7500
          (Johor Bahru)

  • Click HERE to email us

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