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 RM240,000 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 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
  • 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 10,000 - Not qualified as the savings is lesser than the basic savings required.
B 22 12,000 10,000 (12,000 - 10,000) x 30% = RM600 Not qualified as the savings is lesser than required minimum investment amount of RM1,000.
C 25 25,000 18,000 (25,000 - 18,000) x 30% = RM2,100 Qualified as the savings is more than the basic savings and minimum required investment amount.
D 40 75,000 86,000 - Not qualified as the savings is lesser than the basic savings required.
E 45 150,000 125,000 (150,000 - 125,000) x 30% = RM7,500 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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