Last updated : 09 Jul 2019    

investment

You have the option and flexibility to diversify your retirement portfolio and enhance your retirement savings through the Members Investment Scheme (MIS). Under this scheme, members who have sufficient savings can transfer part of the funds in your Account 1 for investments via the appointed Fund Management Institutions (FMIs), including Unit Trust Management Companies and Asset Management Companies.

Who Can Apply

Requirements

Requirements

Malaysians,
OR
Permanent Residents (PR)
OR
Non-Malaysians (registered as EPF Members before 1 August 1998)

Requirements

Below 55 years of age

Have sufficient savings with the EPF

*Malaysians who made a Leaving the Country Withdrawal before 1 August 1995 and opted to recontribute are also eligible.

What You Can Invest



 

*The EPF will transfer the amount to be invested directly to the relevant FMIs as per your application.

Sample of Eligibility Calculation

Member Age Savings in Account 1 (RM) New Basic Savings (RM) Calculation for Investment (30%) Eligibility
A 22 4,000 10,000 - Member is not eligible, savings in Account 1 is less than the new Basic Savings
B 22 11,000 10,000 11,000 – 10,000 x 30% = RM300 Member is not eligible, minimum eligibility amount is RM1,000
C 25 24,000 18,000 24,000 – 18,000 x 30% = RM1,800 Member is  eligible, minimum eligibility amount is RM1,000 and maximum amount is RM1,800

The importance of Basic Savings

Basic Savings is a pre-determined amount set according to age in Account 1 to enable members achieve a minimum savings of RM240,000 when they reach age 55. The implementation of the Basic Savings is to ensure that members have sufficient savings at a minimum amount of RM1,000 per month when they retire in order to support their basic retirement needs for 20 years from age 55 to 75, in line with Malaysians' life expectancy. 

 

The amount in excess of the Basic Savings can be invested in appointed Fund Management Institutions. The latest revision in this quantum has been implemented starting 1 January 2019.

 

  • View Required Basic Savings in Account 1
    Age Basic Savings (RM)
    18 2,000
    19 4,000
    20 6,000
    21 8,000
    22 10,000
    23 13,000
    24 15,000
    25 18,000
    26 21,000
    27 24,000
    28 27,000
    29 31,000
    30 35,000
    31 39,000
    32 43,000
    33 47,000
    34 52,000
    35 57,000
    36 62,000
    Age Basic Savings (RM)
    37 68,000
    38 74,000
    39 80,000
    40 86,000
    41 93,000
    42 101,000
    43 108,000
    44 116,000
    45 125,000
    46 134,000
    47 144,000
    48 154,000
    49 164,000
    50 175,000
    51 187,000
    52 199,000
    53 212,000
    54 226,000
    55 240,000

Where You Can Invest

  • Our list of appointed Fund Management Institutions (FMI)
    Institution BIPD Code & Funds

    Affin Hwang Asset Management Berhad

    Ground Floor
    Menara Boustead,
    69, Jalan Raja Chulan,
    50200 Kuala Lumpur

    Chief Executive Officer:
    Mr. Teng Chee Wai

    Contact Person:
    Mr. Shahrin Shaikh Mohd

    Tel: 03 - 2116 6000
    Fax: 03 - 2116 6100

    IPD055
    List Of Funds

    Amanah Saham Nasional Berhad

    Level 4, Balai PNB
    201-A, Jalan Tun Razak,
    50400 Kuala Lumpur

    Chief Executive Officer:
    Mr. Mohammad bin Hussin

    Contact Person:
    Mr. Zulkifli Hamid

    Tel: 03 - 2050 5144
    Fax: 03 - 2050 5271

    IPD035
    List Of Funds

    Amanah Saham Sarawak

    Lot 357, Section 5 KTLD,
    Jalan Satok,
    93400 Kuching, Sarawak

    Chief Executive Officer:
    Mrs. Norlia Madon

    Contact Person:
    Mrs. Ng Boon Wank

    Tel:  082 - 231 433
    Fax: 082 - 232 596

    IPD004
    List Of Funds

    Amara Investment Management Sdn Bhd

    Suite 3.03, Level 3
    Kenanga International,
    Jalan Sultan Ismail,
    50250 Kuala Lumpur

    Chief Executive Officer:
    YBhg. Dato' Johan Tazrin Hamid Ngo

    Contact Person:
    Ms. Satvinder Kaur

    Tel:  03 - 2162 5688
    Fax: 03 - 2162 5699

    IPD050
     

    AmFunds Management Bhd

    Tingkat 9, Bangunan AmBank Group
    55, Jalan Raja Chulan,
    50200 Kuala Lumpur

    Chief Executive Officer:
    Goh Wee Peng

    Contact Person:
    Miss Chitrakala Murugasu

    Tel:  03 - 2032 2888
    Fax: 03 - 2031 5210

    IPD019
    List Of Funds

    Apex Investment Services Bhd

    3rd Floor, Menara MBSB,
    No 46, Jalan Dungun
    Damansara Heights,
    50490 Kuala Lumpur

    Chief Executive Officer:
    Mr. Clement Chew Kuan Hock

    Contact Person:
    Ms. Stephanie Claire Rodrigues

    Tel:  03 - 2095 9999
    Fax: 03 - 2095 0693

    IPD033
    List Of Funds

    Principal Asset Management Bhd

    10th Floor, Bangunan CIMB
    Jalan Semantan
    Damansara Heights
    50490 Kuala Lumpur

    Chief Executive Officer:
    Mrs. Munirah binti Khairuddin

    Contact Person:
    Ms. Jacqueline Lai

    Tel:  03 - 2084 8888
    Fax: 03 - 2084 8899

    IPD034
    List Of Funds

    Eastspring Investments Bhd

    Tingkat 12, Menara Prudential
    10, Jalan Sultan Ismail,
    50250 Kuala Lumpur

    Chief Executive Officer:
    Mr. Raymond Tang Chee Kin

    Contact Person:
    Miss Benothini a/p Bascaran

    Tel:  03 - 2052 3388
    Fax: 03 - 2170 0399

    IPD046
    List Of Funds

    Hong Leong Asset Management Bhd

    Level 18, Block B, Plaza Zurich,
    No 12, Jalan Gelenggang,
    Bukit Damansara,
    50490 Kuala Lumpur

    Chief Executive Officer:
    Mr. Hoo See Kheng

    Contact Person:
    Ms. Jessie Peter

    Tel:  03 - 2081 8600
    Fax: 03 - 2081 8599

    IPD009
    List Of Funds

    KAF Investment Funds Bhd

    Level 11, Chulan Tower,
    No 3 Jalan Conlay,
    50450 Kuala Lumpur

    Executive Director/Chief Executive Officer:
    Mr. Mohammed Reza Abu Talib

    Contact Person:
    Ms. Norsyafawati Abd Khalid

    Tel:  03 - 2171 0559
    Fax: 03 - 2171 0583

    IPD052
    List Of Funds

    Kenanga Investors Bhd

    Level 14, Kenanga Tower
    237, Jalan Tun Razak,
    50400 Kuala Lumpur

    Managing Director/Chief Executive Officer:
    Mr. Ismitz Matthew De Alwis

    Contact Person:
    Dr. Sahar Effendi Daud

    Tel:  03 - 2172 3000
    Fax: 03 - 2172 3080

    IPD056
    List Of Funds

    Libra Invest Berhad

    Level 2, West Wing
    Bangunan ECM Libra,
    8, Jalan Damansara Endah,
    Damansara Heaights,
    50490 Kuala Lumpur

    Chief Executive Officer:
    Ms. Ong Lei Hua

    Contact Person:
    Mrs. Chow Ching Yee

    Tel:  03 - 2089 1888
    Fax: 03 - 2096 1188

    IPD042
    List Of Funds

    Manulife Asset Management

    13th Floor, Menara Manulife,
    No 6, Jalan Gelenggang,
    Damansara Heights,
    50490 Kuala Lumpur

    Chief Executive Officer:
    Mr. Jason Chong Soon Min

    Contact Person:
    Ms. Yooi Foong Hing

    Tel:  03 - 2719 9228
    Fax: 03 - 2093 7371

    IPD057
    List Of Funds

    Maybank Asset Management Sdn Bhd

    Level 12, Tower C
    Dataran Maybank,
    No 1, Jalan Maarof,
    59000 Kuala Lumpur

    Chief Executive Officer:
    Mr. Ahmad Najib bin Nazlan

    Contact Person:
    Ms. Fatimatul Zainulha binti Mohamed Isa

    Tel:  03 - 2297 7888
    Fax: 03 - 2297 7998

    IPD001
    List Of Funds

    MIDF Amanah Asset Management Bhd

    Tingkat 3A, Menara MIDF,
    82, Jalan Raja Chulan,
    50200 Kuala Lumpur  

    Acting Chief Executive Officer:
    Mr. Mohamed Sany Mohamed Zainudin

    Contact Person:
    Mr. Tunku Shariz

    Tel:  03 - 2173 8888
    Fax: 03 - 2173 8555

    IPD012
    List Of Funds

    Pacific Mutual Berhad

    1001 Level 10, Uptown 1, No 1
    Jalan SS21/58 Damansara Uptown,
    47400 Petaling Jaya,
    Selangor

    Chief Executive Officer/Executive Director:
    Mr. Teh Chi-cheun

    Contact Person:
    Mr. Ariff Firman bin Mohd Sidek

    Tel:  03 - 7712 3000
    Fax: 03 - 7712 3001

    IPD022
    List Of Funds

    Pheim Unit Trusts Bhd

    Tingkat 7, Menara Hap Seng,
    Peti Surat 12,
    No 1 & 3 Jalan P.Ramlee,
    50250 Kuala Lumpur

    Chief Executive Officer:
    Mr. Teh Song Lai

    Contact Person:
    Ms. Nancy Anak Rioh

    Tel:  03 - 2142 8888
    Fax: 03 - 2141 9199

    IPD053
    List Of Funds

    Phillip Capital Management Sdn Bhd

    B-3-6 Block B, Level 3
    Megan Avenue II,
    12 Jalan Yap Kwan Seng,
    50450 Kuala Lumpur

    Executive Chairman:
    Datin Hajjah Nona binti Salleh

    Contact Person:
    Mr. Ramli bin Abd Hamid

    Tel:  03 - 2142 8888
    Fax: 03 - 2141 9199

    IPD028
     

    PMB Investment Bhd

    Level 20, 1 Sentral
    Jalan Rakyat,
    Kuala Lumpur Sentral,
    P.O. Box 10701,
    50722 Kuala Lumpur

    Chief Executive Officer:
    Mr. Najmi bin Haji Mohamed

    Contact Person:
    Mr. Mohd Adzhar bin Abd Hamid

    Tel:  03 - 2785 9800
    Fax: 03 - 2785 9901

    IPD020
    List Of Funds

    Public Mutual Bhd

    8th Floor, Menara Public Bank 2,
    No 78 Jalan Raja Chulan,
    50200 Kuala Lumpur

    Chief Executive Officer:
    Ms. Yeoh Kim Hong

    Contact Person:
    Mr. Abdul Samad bin Jaafar

    Tel:  03 - 2022 6800
    Fax: 03 - 2022 6900

    IPD003
    List Of Funds

    RHB Asset Management Sdn Bhd

    Level 8, Tower 2 & 3, RHB Centre
    Jalan Tun Razak,
    50400 Kuala Lumpur

    Chief Executive Officer:
    Ms. Eliza Ong Yin Suen

    Contact Person:
    Mr. Yap Ben Shiow

    Tel:  03 - 9205 8000
    Fax: 03 - 9205 8100

    IPD026
    List Of Funds

    TA Investment Management Bhd

    Tingkat 23, Menara TA One,
    22 Jalan P. Ramlee,
    50250 Kuala Lumpur

    Chief Executive Officer:
    Mr. Wong Mien

    Contact Person:
    Ms. Noorsazreen Nordin

    Tel:  03 - 2031 6603
    Fax: 03 - 2031 4479

    IPD014
    List Of Funds

    RHB Islamic International Asset Management Berhad

    Level 8, Tower 2 & 3,
    RHB Centre, Jalan Tun Razak
    50400 Kuala Lumpur

    Chief Executive Officer:
    Mrs. Sharizad Binti Juma’at

    Contact Person:
    Mr. Yap Ben Shiow

    Tel:  03 - 9205 8002
    Fax: 03 - 9205 8107

    IPD058
    List Of Funds

What You Need

Documents

  • Identification Card or Passport (For Non-Malaysians who became EPF Members before 1 August 1998)
 

*The EPF reserves the rights to request any additional documents and to reject any incomplete applications or those that do not comply with the terms and conditions.

  •   WHAT YOU SHOULD KNOW
    • Applications must be submitted via the Fund Management Institution (FMI) only and cannot be revoked once submitted.
    • All investments must be made through the appointed FMIs and you may only invest through one FMI at a time.
    • Members can invest every three months, depending on the balance in your Account 1. All investment risks are assumed by the member.
    • Members are not allowed to top-up their investments using their own funds.
    • In the event of liquidation of investments or delisting of FMI, members/FMIs are required to return the invested amount, including profits, to the EPF.
    • The amount invested under this scheme is not entitled to annual dividends declared by the EPF.
    • EPF will release control of the amount invested in the FMI when a member reaches age 55 or has made a full withdrawal through Leaving the Country/Incapacitation/Pensionable Employees/Death Withdrawal.
    • The amount transferred to the FMI is not subject to member’s EPF nomination.
    • Members who have opted for Simpanan Shariah are only allowed to invest in Shariah compliant unit trust products listed by the EPF.
    • No service charge will be imposed by the EPF but there may be fees imposed by the FMIs for the investments made.
  •   IMPORTANT REMINDER

    1. Certify your documents

    Ensure all copies of documents have been certified and acknowledged by the authorised persons.

    (complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)

    AUTHORISED PERSONS

    2. Need more information?

    Refer to our product brochure for additional information.

    DOWNLOAD MEMBERS INVESTMENT SCHEME BROCHURE
 
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