KWSP - Investment

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 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

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. Zulkafli Hamid Tel: 03 - 7730 8899 Fax: 03 - 2050 5220	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: Mr. J Visvanathan Jaganatha 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 Level 22, Menara Prudential, Persiaran TRX Barat, 55188, Tun Razak Exchange, 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 17, Kenanga Tower, 237 Jalan Tun Razak, 50400 Kuala Lumpur Chief Executive Officer: Mr. Muhammad Helmi Bin Hamzah Contact Person: Dr. Sahar Effendi Daud 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

Application through agent/counter IPD

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)

*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

Diversify Your Retirement Savings

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)

What You Can Invest

Sample of Eligibility Calculation

The importance of Basic Savings

Where You Can Invest

What You Need

Application through agent/counter IPD

i-Akaun (Member)

1. Certify your documents

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

2. Need more information?

Refer to our product brochure for additional information.

Diversify Your Retirement Savings

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)

What You Can Invest

Sample of Eligibility Calculation

The importance of Basic Savings

Where You Can Invest

What You Need

Application through agent/counter IPD

i-Akaun (Member)

1. Certify your documents

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

2. Need more information?

Refer to our product brochure for additional information.

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