The document introduces the EPF Member Investment Scheme, which allows EPF members to invest 20% of savings exceeding the required minimum in their Account 1 through appointed unit trust funds. Key benefits include no cash investment required as funds are taken from the EPF account, diversification through exposure to different asset classes, and potential for capital appreciation. Eligible members can invest a minimum of RM1,000 up to 20% of their excess savings every three months. The example shows how to calculate the maximum amount a member with RM80,000 in savings could invest based on their age and required minimum savings.

1. EPF Member Investment
Scheme for Unit Trust
Presented by:
M Khairul Shaleh
B Eng, MSc, FIMM

2. Introduction
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.

3. What is EPF Member 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.

4. Benefits of Investment through EPF
Members Investment Scheme
• No Cash Investment Required – Investment is
transacted from your EPF Account 1.
• Diversification – Opportunity to diversify your
retirement funds with EPF-qualified unit trust funds.
• Overseas Investment Exposure – Diversity abroad
with domestic funds that can invest up to 30% of the
fund’s net asset value in foreign markets.
• Capital Appreciation – Opportunity to reap capital
growth as part of the return on your investment to
boost the total value of your EPF savings.

5. How to Invest?
• The amount that can be invested is 20% of
the savings in excess of the Basic Savings
required in Account 1.
• Minimum investment is RM1,000.
• Investments can be made once every three
months.
• Sales Charge per unit – up to 3% of net asset
value per unit as regulated by the EPF.

6. 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 EPF website (www.kwsp.gov.my) if you
are an i-Akaun registered user.

7. Required Basic Savings in Account 1
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

8. To Learn More
Contact:
khairulshaleh@gmail.com
FB – MKhairul Shaleh
SMS/Whatapps
019 6661250
“We Give You Idea, You Give Your Commitment”