67%

Investment in unit trust funds provide potentially higher returns compared to bank savings or fixed deposits.^

Diversification of EPF retirement savings through investment in unit trust funds.

Flexibility to choose your own fund manager.*

Effective 1 January 2017, members who have opted for Simpanan Shariah are only allowed to invest in Shariah-compliant unit trust funds approved by EPF.

Member has not reached the age of 55 on the date the application is received.

Malaysian; OR

Non Malaysian (registered as EPF Member before 1 August 1998); OR

Permanent Resident.

Member has reached the age of 55 on the date the application is received.

Malaysian; OR

Non Malaysian (registered as EPF Member before 1 August 1998); OR

Permanent Resident.

Investment amount is a withdrawal from Akaun 55 or Akaun Emas.

Up to 30% of the total savings exceeding the Basic Savings in Account 1.

Eligiblity formula: (Account 1 - Basic Savings) x 30%

Minimum investment amount is RM1,000.

Application can be made through an a Fund Management Institution's ("FMI") Agent/Counter and i-Akaun (Member).

Any amount in Akaun 55 or Akaun Emas by retaining RM1,000 in the account.

Not applicable to Basic Savings.

Minimum investment amount is RM1,000.

Application can be made through i-Akaun (Member) only.

Investment can be made at anytime (subject to eligible investment amount in 3 months time).

Allow to invest in multiple unit trust funds through FMI/Institutional Unit Trust Scheme Adviser ("IUTA"), authorised 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 unit trust funds through FMI/IUTA, authorised by EPF.

Only one FMI/IUTA per application.

Members should only invest in or switch to any EPF-MIS fund that is active, i.e. any EPF-MIS fund that has not been suspended or terminated by EPF or withdrawn by the relevant authorised FMI.

Redemption proceeds will be channeled back to the Member’s EPF Account 1.

Force Redemption will only happen if Eastspring ceases to be an authorised FMI or the termination of an EPF-MIS fund or the expiry of the holding time limit of a money market fund as stated below.

Money Market Funds

Subscription of money market fund is not allowed. However, Members may switch from a non-money market fund to a money market fund and the time limit for holding the money market fund is only for a maximum period of six (6) consecutive months.

Instruction should be provided to Eastspring on whether to channel the investment back to the Member’s EPF Account 1 or to switch into any non-money market fund that is active before the expiry of the time limit. As the default option, the investment will be liquidated, and the redemption proceeds will be channeled back to the Member’s EPF Account 1.

Switching between money market fund is prohibited.

Members must not artificially switch between money market funds and non-money market funds in order to circumvent the holding time limit of a money market fund as stated above.