Last updated : 21 Jan 2022    


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.

Effective 1 May 2020, EPF members investing under Members Investment Scheme (MIS) will be entitled to a reduction of upfront fees charged by Fund Management Institutions (FMIs) for a period of 12 months ending 30 April 2021. No upfront fees will be imposed by FMI for investments transacted through i-Invest via EPF i-Akaun, while for investments made through agents, the upfront fee will be reduced from a maximum of 3% to a maximum of 1.5%.


Who Can Apply



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


Below 55 years of age

Have sufficient savings with the EPF

Application via counter/FMI's agent or i-Akaun (Member)

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

*Members aged 55 years and abve, have the option to invest part of the saving in Akaun by making Age 55/60 Withdrawal (Investment). This withdrawal is not part of the Members Investment Scheme. Applications for such withdrawal, can be made through i-Akaun (Member). (Please refer to Age 55/60 Withdrawal Brochure).


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

MemberAgeSavings in Account 1 (RM)New Basic Savings (RM)Calculation for Investment (30%)Eligibility
A224,00010,000-Member is not eligible, savings in Account 1 is less than the new Basic Savings
B2211,00010,00011,000 – 10,000 x 30% = RM300Member is not eligible, minimum eligibility amount is RM1,000
C2524,00018,00024,000 – 18,000 x 30% = RM1,800Member 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
    AgeBasic Savings (RM)
    AgeBasic Savings (RM)

Where You Can Invest

  • Our list of appointed Fund Management Institutions (FMI)
    InstitutionBIPD 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

    Compliance Officer:
    Mr. Shahrin Shaikh Mohd

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

    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

    Compliance Officer:
    Ms. Fairuz Suzana binti Haji Kamaruddin

    Tel: 03 - 7730 8899

    List Of Funds

    Amanah Saham Sarawak

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

    Chief Executive Officer:
    Mrs. Norlia Madon

    Compliance Officer:
    Mrs. Ng Boon Wank

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

    List Of Funds

    Amara Investment Management Sdn Bhd

    Lot 18-02, Level 18, Menara HLX,
    No. 3, Jalan Kia Peng,
    50450 Kuala Lumpur

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

    Compliance Officer:
    Ms. Satvinder Kaur

    Tel:  03 - 9212 3603
    Fax: 03 - 2181 5000


    AmFunds Management Bhd

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

    Chief Executive Officer:
    Goh Wee Peng

    Compliance Officer:
    Mr. J Visvanathan Jaganatha

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

    List Of Funds

    Astute Fund Management Berhad

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

    Chief Executive Officer:
    Mr. Clement Chew Kuan Hock

    Compliance Officer:
    Ms. Nancy Anak Rioh

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

    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

    Compliance Officer:
    Ms. Jacqueline Lai

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

    List Of Funds

    Eastspring Investments Bhd

    Level 22, Menara Prudential,
    Persiaran TRX Barat,
    55188, Tun Razak Exchange,
    Kuala Lumpur

    Chief Executive Officer:
    Mr. Raymond Tang Chee Kin

    Compliance Officer:
    Miss Benothini a/p Bascaran

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

    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

    Compliance Officer:
    Ms. Rozy Hashim

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

    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

    Compliance Officer:
    Ms. Norsyafawati Abd Khalid

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

    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

    Compliance Officer:
    Dr. Sahar Effendi Daud

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

    List Of Funds

    Manulife Investment Management (M) Berhad

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

    Chief Executive Officer:
    Mr. Jason Chong Soon Min

    Compliance Officer:
    Ms. Yooi Foong Hing

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

    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

    Compliance Officer:
    Ms. Zarina Abd. Rahman

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

    List Of Funds

    BOS Wealth Management Malaysia Berhad

    09-02, Level 9,
    No. 8 Jalan SS 21/37,
    Damansara Uptown,
    47400 Petaling Jaya,

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

    Compliance Officer:
    Ms. Yap Sieh Wai

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

    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. Ng Soon Leong

    Compliance Officer:
    Mr. Melvin Loong Theng Jiet 

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

    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

    Compliance Officer:
    Mr. Ramli bin Abd Hamid

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


    PMB Investment Bhd

    Tingkat 2, Wisma PMB,
    No. 1A, Jalan Lumut,
    PO Box 10701,
    50722 Kuala Lumpur

    Chief Executive Officer:
    Mdm. Mahani binti Ibrahim

    Compliance Officer:
    Mr. Mohd Adzhar bin Abd Hamid

    Tel:  03 - 4145 3800
    Fax: 03 - 4145 3901

    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

    Compliance Officer:
    Mr. Abdul Samad bin Jaafar

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

    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. Ong Yin Suen  

    Compliance Officer:
    Mr. Yap Ben Shiow

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

    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

    Head Of Compliance:
    En. Mohd Isyazwan Bin Fauzi 

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

    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:
    En. Mohd Farid Bin Kamarudin

    Compliance Officer:
    Mr. Yap Ben Shiow

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

    List Of Funds

What You Need

Application through agent/counter IPD

  • 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.

i-Akaun (Member)

  • Member has to register as an user of i-Akaun (Member)
  • Member has to register mobile phone number for receiving the TAC number
    • All investments must be made through the appointed FMIs/related IUTA.
    • Application must be submitted via the FMI`s agent/i-Akaun (Member).
    • Applications cannot be revoked once submitted.
    • Application can be made at any time in various unit trust funds / various FMIs appointed by the depending on investment eligibility amount.
    • Investment eligibility amount will be updated every 3 months.
    • Member are not allowed to make additional investments  using their own funds.
    • All investment risks are assumed by members. Members are encouraged to fully understand the documents on fund published by FMIs prior to making any investment decision.
    • Amount invested under this scheme is not entitled to EPF’s annual dividend.
    • Amount transferred to FMIs is not subjected to member’s EPF nomination.
    • Members below 55 years, in the event of liquidation of investments or delisting of FMIs, FMIs are required to return the invested amount including any profits to the EPF.
    • The 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 Country/ Incapitation/ Pensionable Employees/Death Withdrawal.Any investment transaction made is between the member and the FMIs.
    • Members who are 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. However,it may be imposed by the FMIs/IUTA for the investment made.

    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)


    2. Need more information?

    Refer to our product brochure for additional information.