You have the option and flexibility to diversify your retirement portfolio and enhance your retirement savings through the Members Investment Scheme (MIS). This scheme allows members with sufficient savings to transfer part of their Akaun Persaraan funds for investments via appointed Fund Management Institutions (FMIs), including Unit Trust Management Companies and Asset Management Companies. You can manage these investments seamlessly and conveniently through our i‑Invest platform.

Who Can Apply

Requirements

Malaysians OR Permanent Residents (PR) OR 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 above, have the option to invest part of the saving 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 & Age 60 Withdrawal Brochure).

What You Need

Application through agent/FMI counter

Form KWSP 9N (AHL) and Checklist (This form must be obtained from the chosen FMI)

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

Note: 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)

Via i-Invest Platform

Member has to register as a user of i-Akaun (Member)

Member has to register mobile phone number for receiving the TAC number

Download Brochure

What You Can Invest

Member	Age	Savings in Akaun Persaraan (RM)	New Basic Savings (RM)	Calculation for Investment (30%)	Eligibility
A	22	4,000	10,000	-	Member is not eligible, savings in Akaun Persaraan 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 Akaun Persaraan 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.

i-Invest Eligibility Calculation Accordion

Sample of Eligibility Calculation

Member	Age	Savings in Akaun Persaraan (RM)	New Basic Savings (RM)	Calculation for Investment (30%)	Eligibility
A	22	4,000	10,000	-	Member is not eligible, savings in Akaun Persaraan 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

i-Invest Basic Saving Account 1 Accordion

View Required Basic Savings in 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

Where You Can Invest

i-Invest (List of IPD) Accordion

List of Appointed Fund Management Institutions (FMI)

Institution	FMI Code & Funds
AHAM Asset Management Berhad 3rd Floor, Menara Boustead 69, Jalan Raja Chulan 50200 Kuala Lumpur Chief Executive Officer: Dato' Teng Chee Wai Compliance Officer: Mr. Shahrin Shaikh Mohd Tel: 03 - 2116 6000 Fax: 03 - 2116 6100	FMI055 List Of Funds
Amanah Saham Nasional Berhad Aras 91, Menara Merdeka 118, Presint Merdeka 118, 50118 Kuala Lumpur, W.P. Kuala Lumpur Chief Executive Officer: Mr. Muzzaffar Othman Compliance Officer: Mrs. Sahlawati binti Mustafa Tel: 03 - 7730 8899	FMI035 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	FMI004 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	FMI050
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	FMI019 List Of Funds
Astute Fund Management Berhad 3rd Floor, Menara Dungun, 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	FMI033 List Of Funds
Principal Asset Management Bhd Level 32, Exchange 106, Lingkaran TRX, 55188 Tun Razak Exchange, Kuala Lumpur Chief Executive Officer: Puan Munirah Khairuddin Compliance Officer: Puan Nurul Nadia Bakar Tel: 03 – 8680 8000 Fax: 03 - 2084 8899	FMI034 List Of Funds
Eastspring Investments Bhd Level 22, Menara Prudential, Persiaran TRX Barat, 55188, Tun Razak Exchange, Kuala Lumpur Chief Executive Officer: Ms Yap Siok Hoon Compliance Officer: Ms. Benothini a/p Bascaran Tel: 03 - 2052 3388 Fax: 03 - 2170 0399	FMI046 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. Chue Kwok Yan Compliance Officer: Ms. Rozy Hashim Tel: 03 - 2081 8600 Fax: 03 - 2081 8599	FMI009 List Of Funds
KAF Investment Funds Bhd Level 13, Menara IQ, Lingkaran TRX, Tun Razak Exchange, 55188 Kuala Lumpur, Federal Territory of Kuala Lumpur Acting Executive Director/Chief Executive Officer: Mr Mohammed Reza Tan Sri Abu Talib Compliance Officer: Mr Mohammad Hariz Jamaludin Tel: 03 - 2171 0559 Fax: 03 - 2171 0583	FMI052 List Of Funds
Kenanga Investors Bhd Level 14, Kenanga Tower 237, Jalan Tun Razak, 50400 Kuala Lumpur Managing Director/Chief Executive Officer: Datuk Wira Ismitz Matthew De Alwis Compliance Officer: Dr. Sahar Effendi Daud Tel: 03 - 2172 3000 Fax: 03 - 2172 3080	FMI056 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	FMI057 List Of Funds
MIDF Amanah Asset Management Bhd Level 20, Menara MBSB Bank, PJ Sentral Lot 12, Persiaran Barat, Seksyen 52 46200 Petaling Jaya Selangor Chief Executive Officer: Mr. Shan Kamahl Mohammad Compliance Officer: Ms. Zarina Abd. Rahman Tel: 03 - 2173 8888 Fax: 03 - 2173 8555	FMI012 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 Compliance Officer: Ms Yong Thian Hee Tel: 03 - 2142 8888 Fax: 03 - 2141 9199	FMI053 List Of Funds
Phillip Capital Management Sdn Bhd B-18-6 Megan Avenue II No. 12 Jalan Yap Kwan Seng 50450 Kuala Lumpur Wilayah Persekutuan Executive Chairman: Datin Hajjah Nona binti Salleh Compliance Officer: Mr. Ramli bin Abd Hamid Tel: 03 - 2783 0300	FMI028
PMB Investment Bhd Tingkat 2, Wisma PMB, No. 1A, Jalan Lumut, PO Box 10701, 50722 Kuala Lumpur Chief Executive Officer: Mrs. Mahani binti Ibrahim Compliance Officer: Mr. Mohd Isyazwan bin Fauzi @Puzilah Tel: 03 - 4145 3800 Fax: 03 - 4145 3901	FMI020 List Of Funds
Public Mutual Bhd 8th Floor, Menara Public Bank 2, No 78 Jalan Raja Chulan, 50200 Kuala Lumpur Chief Executive Officer: Mr. Chiang Kang Pey Compliance Officer: Mr. Abdul Samad bin Jaafar Tel: 03 - 2022 6800 Fax: 03 - 2022 6900	FMI003 List Of Funds
RHB Asset Management Sdn Bhd Level 8, Tower 2 & 3, RHB Centre Jalan Tun Razak, 50400 Kuala Lumpur Chief Executive Officer: Mr. Ng Chze How Compliance Officer: Mr. Yap Ben Shiow Tel: 03 - 9205 8000 Fax: 03 - 9205 8100	FMI026 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 Compliance Officers: Mr. Ch'ng Soon Kim Tel: 03 - 2031 6603 Fax: 03 - 2031 4479	FMI014 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: Encik Mohd Najman bin Md Isa Compliance Officer: Mr. Yap Ben Shiow Tel: 03 - 9205 8002 Fax: 03 - 9205 8107	FMI058 List Of Funds

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i-Invest (List of IPD) Accordion

List of Appointed Fund Management Institutions (FMI)

Institution	FMI Code & Funds
AHAM Asset Management Berhad 3rd Floor, Menara Boustead 69, Jalan Raja Chulan 50200 Kuala Lumpur Chief Executive Officer: Dato' Teng Chee Wai Compliance Officer: Mr. Shahrin Shaikh Mohd Tel: 03 - 2116 6000 Fax: 03 - 2116 6100	FMI055 List Of Funds
Amanah Saham Nasional Berhad Aras 91, Menara Merdeka 118, Presint Merdeka 118, 50118 Kuala Lumpur, W.P. Kuala Lumpur Chief Executive Officer: Mr. Muzzaffar Othman Compliance Officer: Mrs. Sahlawati binti Mustafa Tel: 03 - 7730 8899	FMI035 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	FMI004 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	FMI050
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	FMI019 List Of Funds
Astute Fund Management Berhad 3rd Floor, Menara Dungun, 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	FMI033 List Of Funds
Principal Asset Management Bhd Level 32, Exchange 106, Lingkaran TRX, 55188 Tun Razak Exchange, Kuala Lumpur Chief Executive Officer: Puan Munirah Khairuddin Compliance Officer: Puan Nurul Nadia Bakar Tel: 03 – 8680 8000 Fax: 03 - 2084 8899	FMI034 List Of Funds
Eastspring Investments Bhd Level 22, Menara Prudential, Persiaran TRX Barat, 55188, Tun Razak Exchange, Kuala Lumpur Chief Executive Officer: Ms Yap Siok Hoon Compliance Officer: Ms. Benothini a/p Bascaran Tel: 03 - 2052 3388 Fax: 03 - 2170 0399	FMI046 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. Chue Kwok Yan Compliance Officer: Ms. Rozy Hashim Tel: 03 - 2081 8600 Fax: 03 - 2081 8599	FMI009 List Of Funds
KAF Investment Funds Bhd Level 13, Menara IQ, Lingkaran TRX, Tun Razak Exchange, 55188 Kuala Lumpur, Federal Territory of Kuala Lumpur Acting Executive Director/Chief Executive Officer: Mr Mohammed Reza Tan Sri Abu Talib Compliance Officer: Mr Mohammad Hariz Jamaludin Tel: 03 - 2171 0559 Fax: 03 - 2171 0583	FMI052 List Of Funds
Kenanga Investors Bhd Level 14, Kenanga Tower 237, Jalan Tun Razak, 50400 Kuala Lumpur Managing Director/Chief Executive Officer: Datuk Wira Ismitz Matthew De Alwis Compliance Officer: Dr. Sahar Effendi Daud Tel: 03 - 2172 3000 Fax: 03 - 2172 3080	FMI056 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	FMI057 List Of Funds
MIDF Amanah Asset Management Bhd Level 20, Menara MBSB Bank, PJ Sentral Lot 12, Persiaran Barat, Seksyen 52 46200 Petaling Jaya Selangor Chief Executive Officer: Mr. Shan Kamahl Mohammad Compliance Officer: Ms. Zarina Abd. Rahman Tel: 03 - 2173 8888 Fax: 03 - 2173 8555	FMI012 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 Compliance Officer: Ms Yong Thian Hee Tel: 03 - 2142 8888 Fax: 03 - 2141 9199	FMI053 List Of Funds
Phillip Capital Management Sdn Bhd B-18-6 Megan Avenue II No. 12 Jalan Yap Kwan Seng 50450 Kuala Lumpur Wilayah Persekutuan Executive Chairman: Datin Hajjah Nona binti Salleh Compliance Officer: Mr. Ramli bin Abd Hamid Tel: 03 - 2783 0300	FMI028
PMB Investment Bhd Tingkat 2, Wisma PMB, No. 1A, Jalan Lumut, PO Box 10701, 50722 Kuala Lumpur Chief Executive Officer: Mrs. Mahani binti Ibrahim Compliance Officer: Mr. Mohd Isyazwan bin Fauzi @Puzilah Tel: 03 - 4145 3800 Fax: 03 - 4145 3901	FMI020 List Of Funds
Public Mutual Bhd 8th Floor, Menara Public Bank 2, No 78 Jalan Raja Chulan, 50200 Kuala Lumpur Chief Executive Officer: Mr. Chiang Kang Pey Compliance Officer: Mr. Abdul Samad bin Jaafar Tel: 03 - 2022 6800 Fax: 03 - 2022 6900	FMI003 List Of Funds
RHB Asset Management Sdn Bhd Level 8, Tower 2 & 3, RHB Centre Jalan Tun Razak, 50400 Kuala Lumpur Chief Executive Officer: Mr. Ng Chze How Compliance Officer: Mr. Yap Ben Shiow Tel: 03 - 9205 8000 Fax: 03 - 9205 8100	FMI026 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 Compliance Officers: Mr. Ch'ng Soon Kim Tel: 03 - 2031 6603 Fax: 03 - 2031 4479	FMI014 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: Encik Mohd Najman bin Md Isa Compliance Officer: Mr. Yap Ben Shiow Tel: 03 - 9205 8002 Fax: 03 - 9205 8107	FMI058 List Of Funds

Additional Information

i-Invest Accordion

What You Should Know

All investments must be made through the appointed FMIs/related IUTA.
Application must be submitted via the FMIs 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.
Member 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/ Incapacitation/ 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.

Important Reminder

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
Need more information?
Refer to our product brochure for additional information.
Download Brochure

Frequently Asked Questions

Frequently Asked Question

i-Invest (FAQ) Accordion

What is Member Investment Scheme (MIS)?

Eligible Members may voluntarily transfer a portion of their excess savings from EPF Akaun Persaraan to authorised institutions or approved investments.
Transfers up to a maximum of 30% of the amount above the Basic Savings in Akaun Persaraan (for members aged 55 years and below.)
Transfer to appointed Fund Management Institution (FMI) or Institutional Unit Trust Adviser (IUTA).

What is the application channel provided for the member wishes to apply for MIS?

Through the FMI’s Agent / Counter
Through the i-Akaun (Member)

What are the investment eligibility?

Age below 55

Age 55 & above

Members have not reached the age of 55 on the date the application is received.
Malaysian; OR
Permanent Residents (PR), OR
Non-Malaysians (registered as EPF Members before 1 August 1998).
Non Malaysian (registered as EPF Members); OR Permanent Residents.
Members may transfer the amount of savings as follows:

a. Up to 30% of the total savings exceeding the Basic Savings in Akaun Persaraan.
b. Eligiblity formula: (Akaun Persaraan - Basic Savings) x 30%.
c. Minimum investment amount is RM1,000.
Application can be made through an FMI’s Agent / Counter and i-Akaun (Member).

Member has reach the age of 55 on the date the application is received.
Malaysian; OR
Permanent Residents (PR), OR
Non-Malaysians (registered as EPF Members before 1 August 1998)
Non Malaysian (registered as EPF Members); OR Permanent Residents.
Investment amount is a withdrawal from Akaun 55 or Akaun Emas.
Member may withdraw the savings as follows:

a. Any amount in Akaun 55 or Akaun Emas by retaining RM1,000 in the account.
b. “Basic Savings requirement is not applicable.”
c. Minimum investment amount is RM1,000.
Application can be made through i-Akaun (Member) only.

What is the investment frequency?

Application through FMI’s Agent/Counter	Application through i-Akaun (Member)
Investment can be made at anytime (subject to eligible investment amount in 3 months time). Allow to invest in multiple FMI/IUTA and unit trust fund, appointed by EPF. Only one FMI per application.	Investment can be made at anytime (subject to eligible investment amount in 3 months time). Allow to invest in multiple FMI/IUTA and unit trust fund, appointed by EPF. Can invest to multiple funds with multiple FMI/IUTA per application.

How to apply?

Application through FMI’s Agent/Counter	Application through i-Akaun (Member)
Application is submitted through any appointed FMI’s agent/counter. FMI will submit the application to EPF for processing.	Member registered as an user i-Akaun (Member) Member has a registered mobile phone number with EPF for TAC number acceptance

How much is the initial sales charge?

Application through FMI’s Agent/Counter	Application through i-Akaun (Member)
Initial sales charge by FMI is up to 3% per buy transaction (subject to change by EPF).	Initial sales charge by FMI is up to 0.5% per buy transaction (subject to change by EPF).

What are the available features in i-Invest?

Web	Mobile App
Consolidated account holding Fund performance Fund analysis tools Online transaction (buy, switch, redeem) Transaction history Suitability assessment Investment simulator Individual performance dashboard Info hub	Consolidated account holding Fund performance Fund analysis tools Online transaction (buy, switch, redeem) Transaction history Suitability assessment

Do members with Simpanan Shariah status can only invest in syariah-compliant funds?

Yes, members who elect to Simpanan Shariah after the effective date can only invest in shariah-compliant funds.

Who can be contacted if member has issues / inquiries related to MIS?

Enquiry on EPF:
Members may contact EPF's Contact Management Centre at 03 8922 6000 or visit the EPF website.
Enquiry on FMI/IUTA:
Members may contact respective FMI/IUTA contact centre.