EPF Members Investment Scheme
Having a proper retirement plan in place is crucial for you to enjoy your preferred lifestyle during your golden years. In addition to savings in the Employees Provident Fund (EPF), other potential sources of retirement funds include:
- Private Retirement Scheme (PRS) investments
- Investments in unit trusts, stocks or other instruments
- Bank savings
- Property investments
However, did you know that you can also leverage on the EPF-Members Investment Scheme (EPF-MIS) to optimise your retirement funds?
The EPF-MIS was introduced in 1996 as an option for EPF members to transfer part of their EPF savings to invest in an alternative investment tool to diversify their retirement fund to differing growth drives.
Utlise the EPF-MIS to optimise your retirement savings.
Questions for you to ponder
How much do you need for your retirement and are your retirement savings sufficient?
The money you have in the EPF is one of the options to expand and diversify your investments. Doing so gives you the potential to grow your retirement savings to achieve your financial goals. So, make the most out of your retirement savings!
What factors should you consider before investing into EPF-qualified unit trust funds?
Life expectancy
Retirement age
Lifestyle
Retirement plan
Did you know that you can optimise your retirement savings without stretching your finances?
You can optimise your EPF savings by investing a portion of your retirement funds under the EPF-MIS.
With the rising inflation rate and higher living standards, it is important to invest so as to increase your retirement savings and avoid a significant decrease in your future purchasing power.
You can use our retirement calculator to estimate the retirement funds needed and the amount you will need to invest today to achieve your targeted amount.
Why Public Mutual? With our EPF-MIS funds, you get to enjoy the following benefits:
No cash investment required
Investments are transacted directly from your Akaun Persaraan.
Diversification
Diversify your investments with selected overseas and domestic funds.
Capital appreciation
Opportunity to reap capital growth as part of the return on your investment to boost the total lump sum of your EPF savings.
Broad range of EPF-qualified unit trust funds
Public Mutual has a wide range of EPF-qualified unit trust funds to meet varying risk appetites.
Complimentary insurance/takaful coverage
Applicable for selected funds only. Terms and conditions apply.
Explore the EPF-MIS for wider investment opportunities to grow your retirement savings.
The minimum investment amount for EPF-MIS funds is RM1,000. You can invest up to 30% of the amount in excess of the required Basic Savings in your EPF Akaun Persaraan*.
| AGE | BASIC SAVINGS (RM) | AGE | BASIC SAVINGS (RM) |
| 18 | 2,000 | 37 | 68,000 |
| 19 | 4,000 | 38 | 74,000 |
| 20 | 6,000 | 39 | 80,000 |
| 21 | 8,000 | 40 | 86,000 |
| 22 | 10,000 | 41 | 93,000 |
| 23 | 13,000 | 42 | 101,000 |
| 24 | 15,000 | 43 | 108,000 |
| 25 | 18,000 | 44 | 116,000 |
| 26 | 21,000 | 45 | 125,000 |
| 27 | 24,000 | 46 | 134,000 |
| 28 | 27,000 | 47 | 144,000 |
| 29 | 31,000 | 48 | 154,000 |
| 30 | 35,000 | 49 | 164,000 |
| 31 | 39,000 | 50 | 175,000 |
| 32 | 43,000 | 51 | 187,000 |
| 33 | 47,000 | 52 | 199,000 |
| 34 | 52,000 | 53 | 212,000 |
| 35 | 57,000 | 54 | 226,000 |
| 36 | 62,000 | 55 | 240,000 |
* Effective 1 January 2019. Source: Employees Provident Fund (EPF).
Before investing, you should be aware of the risks involved and mindful of your level of risk tolerance. You should also continue to monitor and rebalance your investments regularly.
Boost the value of your EPF savings to preserve your future purchasing power.
You can find out if you are qualified to invest via the EPF-MIS by:
Logging on to www.kwsp.gov.my if you are an
i-Akaun registered user.
Checking your account balance at any EPF Smart Kiosk** nationwide by using your MyKad.
Referring to your latest EPF statement.
** Please refer to www.kwsp.gov.my for detailed information related to Smart Kiosk locations and operating hours.
Invest in Public Mutual’s EPF-qualified funds to fully capitalise on the growth potential of the domestic and foreign markets. Consider diversifying your savings with the EPF-MIS when planning for your retirement.