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EPF Members Investment Scheme (EPF - MIS)



Optimise Your EPF Savings

 

Employees Provident Fund Members Investment Scheme (EPF-MIS) is a scheme that allows EPF members to transfer a portion of their savings for investment in unit trust. Qualified EPF members can choose to invest through fund management institutions appointed by the Ministry of Finance.


  • EPF- Qualified Funds offered by Public Mutual
  • EPF Members Investment Scheme
  • All
  • Conventional
  • Shariah-based
EPF-Qualified Funds^ With Foreign
Exposure
Shariah-based Conventional
EQUITY FUNDS
Public Asia Ittikal Fund 4  
Public Australia Equity Fund 4  
Public China Ittikal Fund 4  
Public Equity Fund 2  
Public Far-East Select Fund 4  
Public Far-East Telco & Infrastructure Fund 4  
Public Global Select Fund 4  
Public Growth Fund 2  
Public Index Fund    
Public Indonesia Select Fund 4  
Public Industry Growth Fund 2  
Public Islamic Alpha-40 Growth Fund 2  
Public Islamic Asia Leaders Equity Fund 4  
Public Islamic Dividend Fund 2  
Public Islamic Equity Fund 2  
Public Islamic Optimal Growth Fund    
Public Islamic Savings Fund 2  
Public Islamic Sector Select Fund    
Public Islamic Select Enterprises Fund    
Public Ittikal Fund 2  
Public Ittikal Sequel Fund 2  
Public Optimal Growth Fund    
Public Regional Sector Fund 4  
Public Regular Savings Fund    
Public Sector Select Fund    
Public Singapore Equity Fund 4  
Public South-East Asia Select Fund 4  
PB Asia Pacific Enterprises Fund 4  
PB China Australia Equity Fund 4  
PB Euro Pacific Equity Fund 4  
PB Growth Fund 2  
PB Islamic Asia Equity Fund 4  
PB Islamic Asia Strategic Sector Fund 4  
PB Islamic Equity Fund 2  
PB Singapore Advantage-30 Equity Fund 4  
BALANCED FUNDS
Public Balanced Fund 2  
Public Far-East Balanced Fund 3    ✔
PB Balanced Fund 2    ✔
PB Indonesia Balanced Fund 4    ✔
BOND FUNDS
Public Enhanced Bond Fund 2  
Public Islamic Enhanced Bond Fund 2  
Public Islamic Infrastructure Bond Fund 1  
Public Islamic Select Bond Fund 2  
Public Islamic Strategic Bond Fund 1  
Public Select Bond Fund    
Public Strategic Bond Fund 1  
Public Sukuk Fund 2  
PB Bond Fund 2  
PB Infrastructure Bond Fund 1  
PB Islamic Bond Fund 2  
PB Sukuk Fund 2  
FIXED INCOME FUND
Public Islamic Income Fund    
MONEY MARKET FUNDS
Public Islamic Money Market Fund    
PB Cash Management Fund    

1 Foreign exposure is up to 25% of the fund’s NAV in overseas market.

2 Foreign exposure is up to 30% of the fund’s NAV in overseas market.

3 Foreign exposure is up to 60% of the fund's NAV in overseas market.

4 Foreign exposure is up to 98% of the fund's NAV in overseas market.


^ Effective 17 April 2017. 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.

EPF-Qualified Funds^ With Foreign Exposure
EQUITY FUNDS
Public Australia Equity Fund 4
Public Equity Fund 2
Public Far-East Select Fund 4
Public Far-East Telco & Infrastructure Fund 4
Public Global Select Fund 4
Public Growth Fund 2
Public Index Fund  
Public Indonesia Select Fund 4
Public Industry Growth Fund 2
Public Optimal Growth Fund  
Public Regional Sector Fund 4
Public Regular Savings Fund  
Public Sector Select Fund  
Public Singapore Equity Fund 4
Public South-East Asia Select Fund 4
PB Asia Pacific Enterprises Fund 4
PB China Australia Equity Fund 4
PB Euro Pacific Equity Fund 4
PB Growth Fund 2
PB Singapore Advantage-30 Equity Fund 4
BALANCED FUNDS
Public Balanced Fund 2
Public Far-East Balanced Fund 3
PB Balanced Fund 2
PB Indonesia Balanced Fund 4
BOND FUNDS
Public Enhanced Bond Fund 2
Public Select Bond Fund  
Public Strategic Bond Fund 1
PB Bond Fund 2
PB Infrastructure Bond Fund 1
MONEY MARKET FUND
PB Cash Management Fund  

1 Foreign exposure is up to 25% of the fund’s NAV in overseas market.

2 Foreign exposure is up to 30% of the fund’s NAV in overseas market.

3 Foreign exposure is up to 60% of the fund's NAV in overseas market.

4 Foreign exposure is up to 98% of the fund's NAV in overseas market.


^ Effective 17 April 2017. 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.

EPF-Qualified Funds^ With Foreign Exposure
EQUITY FUNDS
Public Asia Ittikal Fund 4
Public China Ittikal Fund 4
Public Islamic Alpha-40 Growth Fund 2
Public Islamic Asia Leaders Equity Fund 4
Public Islamic Dividend Fund 2
Public Islamic Equity Fund 2
Public Islamic Optimal Growth Fund  
Public Islamic Savings Fund 2
Public Islamic Sector Select Fund  
Public Islamic Select Enterprises Fund  
Public Ittikal Fund 2
Public Ittikal Sequel Fund 2
PB Islamic Asia Equity Fund 4
PB Islamic Asia Strategic Sector Fund 4
PB Islamic Equity Fund 2
BOND FUNDS
Public Islamic Enhanced Bond Fund 2
Public Islamic Infrastructure Bond Fund 1
Public Islamic Select Bond Fund 2
Public Islamic Strategic Bond Fund 1
Public Sukuk Fund 2
PB Islamic Bond Fund 2
PB Sukuk Fund 2
FIXED INCOME FUND
Public Islamic Income Fund  
MONEY MARKET FUND
Public Islamic Money Market Fund  

1 Foreign exposure is up to 25% of the fund’s NAV in overseas market.

2 Foreign exposure is up to 30% of the fund’s NAV in overseas market.

3 Foreign exposure is up to 60% of the fund's NAV in overseas market.

4 Foreign exposure is up to 98% of the fund's NAV in overseas market.


^ Effective 17 April 2017. 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.

EPF Members 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 goals.
What is EPF-MIS?
EPF-MIS is a scheme that allows EPF members to transfer a portion of their savings for investment in unit trusts. Qualified EPF members can choose to invest through fund management institutions appointed 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 fund into EPF-qualified funds that meet your risk profile.
  3. Overseas Investment Exposure – Diversify 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 30% 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.

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

Required Basic Savings in Account 1

BASIC SAVINGS AT AGE 55 - RM228,000
AGE BASIC SAVINGS (RM) AGE BASIC SAVINGS (RM)
18 1,000 37 60,000
19 3,000 38 66,000
20 5,000 39 72,000
21 6,000 40 78,000
22 8,000 41 85,000
23 10,000 42 92,000
24 12,000 43 100,000
25 14,000 44 108,000
26 17,000 45 116,000
27 20,000 46 125,000
28 23,000 47 134,000
29 26,000 48 144,000
30 29,000 49 154,000
31 33,000 50 165,000
32 37,000 51 176,000
33 41,000 52 188,000
34 45,000 53 201,000
35 50,000 54 214,000
36 55,000 55 228,000

Effective 1 January 2017
Source: Employees 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 RM50,000. This means he is qualified to transfer minimum RM1,000 and maximum RM9,000 from his EPF savings to be invested in unit trust.
CALCULATION: (RM80,000 – RM50,000) X 30% =RM9,000

 

EPF Withdrawal Estimator
 
 
Current Age *  
Current Balance In EPF Account 1*: RM
Current Amount Available For EPF Members' Investment Scheme **: RM
 

*   Compulsory Field
**   To transfer from EPF Account I for approved unit trust investment, you must meet minimum transfer amount of RM1,000 and above.

Public Mutual has made efforts to ensure the accuracy and quality of this tool. However, Public Mutual disclaims any responsibility or liability for any damages, losses or costs incurred, directly or indirectly arising from the use of this tool or any information herein and makes no warranty or representation as to the accuracy, suitability or quality of the information contained in the tool herein. 

Users should consult qualified and licensed financial planners, bankers or accountants and obtain independent professional financial advice before acting or relying on any suggestion or information in this tool.

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*In terms of total fund size managed amongst private unit trust companies and PRS providers in Malaysia.