​​​​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 Akaun Persaraan for investments via the appointed Fund Management Institutions (FMIs), including Unit Trust Management Companies and Asset Management Companies.
Who Can Apply

Requirements

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Malaysians OR Permanent Residents (PR) OR Non‑Malaysians (registered as EPF Members before 1 August 1998)
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Below 55 years of age
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Have sufficient savings with the EPF
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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

  • 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)

  • Member has to register as an user of i-Akaun (Member)
  • Member has to register mobile phone number for receiving the TAC number

What You Can Invest

Member Age Savings in Akaun Persaraan (RM) New Basic Savings (RM) Calculation for Investment (30%) Eligibility

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

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 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

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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)

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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:
Ms. Fairuz Suzana binti Haji Kamaruddin

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:
Ms. Loh Sook Kuan

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:
Ms. Nurul Nadia Bakar

Compliance Officer:
Ms. Jacqueline Lai

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:
Mr. Raymond Tang Chee Kin

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. Hoo See Kheng

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

Executive Director/Chief Executive Officer:
Mr Chue Kwok Yan 

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:
Mr. Ahmad Izzudeen bin Razali 

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 - 2142 8888
Fax: 03 - 2141 9199

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 Sofian Bin Md Saad

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 Mohd Farid bin Kamarudin   

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

Additional Information

i-Invest Accordion

What You Should Know

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  • 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

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  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 Brochure


Frequently Asked Questions

Frequently Asked Question

i-Invest (FAQ) Accordion

What is Member Investment Scheme (MIS)?

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  • 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?

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

What are the investment eligibility?

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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?

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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?

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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?

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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?

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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?

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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?

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  • 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.

How can member check the application status?

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Member can check the application status through EPF’s Contact Management Centre or i-Akaun (Member)