EPF Members Investment Scheme

The Employees Provident Fund (EPF) introduced the Members Investment Scheme to further liberalise investment options for its members. Hong Leong Asset Management Bhd is one of the appointed Fund Management Institutions under the EPF Members Investment Scheme.

  • EPF-Approved Funds
Fund Name Fund
Category
Fund Type Geographical
Location
Launch Date
Money Market Fund Money Market Income Malaysia 13-10-2014
Dana Al-Izdihar Money Market (Islamic) Income Malaysia 20-06-2017
Strategic Fund Mixed Assets Growth & Income Malaysia 08-03-2005
Balanced Fund Balanced Growth & Income Malaysia 29-04-2002
Dana Maa’rof Balanced (Islamic) Growth & Income Malaysia 25-03-2003
Dana Makmur Equity (Islamic) Growth Malaysia 12-11-2001
Consumer Products Sector Fund Equity Growth Malaysia 29-08-2000
Dividend Fund Equity Income Malaysia 06-01-2005
Penny Stock Fund Equity Growth Malaysia 26-04-1999
Growth Fund Equity Growth Malaysia 08-09-1995

How much can I invest?

Members can invest not more than 30% of savings in excess of Basics Savings in Account 1 in products through approved Fund Management Institutions and the minimum amount of investment withdrawal is RM1,000.

What is Basic Savings?

It is a pre-determined savings amount in your Account 1 according to your age to enable you to achieve a minimum savings amount of RM228,000 when you are 55 years old.

A member needs to have a basic savings amount at the predetermined age levels. Amount in excess of the basic savings can be invested in funds under the EPF Members Investment Scheme.

  • Required Basic Savings in Account 1
Age
(Years)
Basic Savings
(RM)
Age
(Years)
Basic Savings
(RM)
18 1,000 37 60,000
19 3,000 38 66,000
20 5,000 39 72,000
21 6,000 40 78,000
22 8,000 41 85,000
23 10,000 42 92,000
24 12,000 43 100,000
25 14,000 44 108,000
26 17,000 45 116,000
27 20,000 46 125,000
28 23,000 47 134,000
29 26,000 48 144,000
30 29,000 49 154,000
31 33,000 50 165,000
32 37,000 51 176,000
33 41,000 52 188,000
34 45,000 53 201,000
35 50,000 54 214,000
36 55,000 55 228,000
  • Examples to Compute The Allowable Investment Amount
Member Age Savings in
Account 1
(RM)
Basic
Savings
(RM)
Computation:
Savings in
Account 1 -
Basic Savings x 30%
Member's Eligibility
A 22 6,000 8,000 - Not qualified as the savings is lesser than the basic savings required.
B 22 10,000 8,000 (10,000 - 8,000) x 30% = RM600 Not qualified as the savings is lesser than required minimum investment amount of RM1,000.
C 25 20,000 14,000 (20,000 - 14,000) x 30% = RM1,800 Qualified as the savings is more than the basic savings and minimum required investment amount.
D 40 75,000 78,000 - Not qualified as the savings is lesser than the basic savings required.
E 45 150,000 116,000 (150,000 - 116,000) x 30% = RM10,200 Qualified as the savings is more than the basic savings and minimum required investment amount.

How often can I invest?

You can invest once every 3 months from the date of the last disbursement, subject to the availability of the Basic Savings required in Account 1.
 

* The list of Funds under the EPF-MIS is subject to an annual evaluation that is conducted by Employees Provident Fund together with Federation of Investment Managers Malaysia based on criteria that is approved by the Ministry of Finance. Unitholders may contact HLAM for the most updated list.
 

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