KWSP - Pengeluaran persaraan / pencen

Age 55
Age 60

About Age 55 Withdrawal

Upon reaching age 55, the contributions made to your Account 1 and Account 2 will be consolidated into Account 55. You can withdraw all or part of the savings from this account at any time. Should you choose to continue working after the age of 55, all further contributions you make will be credited in your Akaun Emas, to be withdrawn only upon reaching age 60.

Pensionable employees in government services

Before applying for this withdrawal, please be advised to ensure that the governments share has been returned to the Retirement Fund through your early government share calculation (Pre-PEN) application. This is to ensure that the government share has been returned to Retirement Fund (Incorporated) (KWAP) for gratuity and pension purposes.

For applicants aged 55 can apply for this withdrawal and Pre-PEN simultaneously. You may then withdraw the balance available in Akaun 55 and Akaun Emas after the return of the government share.

Who Can Apply

Requirements

Malaysians & Non-Malaysians

Aged between 55 and before reaching the age of 60

Have savings in Akaun 55

What You Can Withdraw

WITHDRAWAL ELIGIBILITY	MALAYSIAN	NON-MALAYSIAN
WITHDRAWAL ELIGIBILITY	MALAYSIAN	Became A Member Prior to 1 August 1998	Became A Member On/After 1 August 1998
Entire savings from your Akaun 55		Registered before 1 Aug 1998	Registered on/after 1 Aug 1998
Partial Withdrawal (no min. withdrawal)		Registered before 1 Aug 1998	Registered on/after 1 Aug 1998
Monthly Payment Withdrawal (Min. RM100/month or RM1,200/year for at least 12 months or until age 100)		Registered before 1 Aug 1998	Registered on/after 1 Aug 1998
Combination of Partial & Monthly Payment Withdrawal		Registered before 1 Aug 1998	Registered on/after 1 Aug 1998
Yearly Dividend Payment Withdrawal (lump sum) Lump sum based on previous year’s savings		Registered before 1 Aug 1998	Registered on/after 1 Aug 1998
Monthly Dividend Payment Withdrawal Minimum withdrawal is RM600 (RM100 per month for at least 6 months) The minimum payment period is 6 months and maximum up to 12 months)		Registered before 1 Aug 1998	Registered on/after 1 Aug 1998
Age 55 Years (Investment) Application can be made anytime Minimum transferred amount is RM 1,000.00 Required to retain minimum of RM1,000.00 in Akaun 55 Note: Application through i-Akaun (Member). Transfer of withdrawal amount from Akaun 55 is only allowed to the appointed FMIs.

What You Need

With MyKad

MyKad

Birth Certification/Identify Verication Letter by the National Resgistration Department - if the date of birth stated on your identification card differs from actual date of birth

Savings account statement/Current account statement/Verification letter of account holder's details from Bank/Account holder's details

Form KWSP 3 (Pindaan) – for failed thumbprint verification

*Members are not required to fill in the form, just place a thumbprint on 'Notis Pengesahan Permohonan Pengeluaran' as proof of withdrawal application.

Without MyKad

Form KWSP 9B (AHL) and Checklist

Birth Certificate/Identity Verification Letter by the National Registration Department - if the date of birth stated on your identification card differs from actual date of birth

Copy of identification documents with original for verification

Passport, Certification of Citizenship & other identification documents – for former Malaysian Citizens that were EPF members before 1 August 1995 who are unable to produce an identification card

Savings account statement/Current account statement/Verification letter of account holder's details from Bank/Account holder's details

Form KWSP 3 (Pindaan) – for failed thumbprint verification

WITHDRAW VIA I-AKAUN

APPLY FOR MANUAL WITHDRAWAL

APPLY FOR AUTOMATIC DIVIDEND PAYMENT

About Age 60 Withdrawal

This withdrawal is an extension of the Age 55 Withdrawal, and caters for those who have opted for later retirement and continue working after 55 years old. At age 60, all the savings accumulated in Akaun 55 and Akaun Emas will be consolidated for withdrawal. You have an option to make a lump sum or partial withdrawal at any time to fund your retirement.

Pensionable employees in government services

Before applying for this withdrawal, please be advised to ensure that the governments share has been returned to the Retirement Fund (Incorporated) (KWAP) through early government share calculation (Pre-PEN) application. This is to ensure that the government share has been returned to Retirement Fund (Incorporated) (KWAP) for gratuity and pension purposes.

For applicants aged 60 can apply for this withdrawal and Pre-PEN simultaneously. You may then withdraw the balance available in Akaun 55 and Akaun Emas after the return of the government share.