EPF Member’s Investment Scheme

As we are one of the approved fund management institutions of this Scheme, you may withdraw part of your EPF savings to invest into our Funds.

Effective 1 January 2008, Members of the Employees Provident Fund (EPF) will pay not more than 3% in service charges for investment in unit trusts. Also, effective 1 January 2017, members can invest not more than 30% of their credit in excess of Basic Savings in Account 1 in the Fund.

The minimum amount of savings that can be withdrawn is RM1,000 and can be made at intervals of three months from the date of the last transfer, subject to the availability of the Basic Savings required in Account 1 below.

Required Basic Savings In Account 1 

Age(Years)  Basic Savings (RM) Age (Years)   Basic Saving (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  NA 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 RM 1,000.
 C  25  24,000  14,000  (24,000-14,000) x 30% = RM3,000 Qualified as the savings is more than the basic savings and minimum
 D  40  65,000  78,000  NA Not qualified as the savings is lesser than the basic savings required.
 E  45  138,000 116,000  (138,000-116,000) x 30% = RM6,600 Qualified as the savings is  more than the basic savings and minimum limit.

Please contact EPF offices for more information on member’s investment scheme.

Application for this Scheme

To apply for this Scheme, you are required to complete the following forms and submit to us.

1. Borang KWSP 9F (AHL);
2. Pheim’s Master Trust Application Form;
3. Pheim’s Transaction Form; and
4. Photocopy of N.R.I.C. (front and back on the same page; with sample of left and
right thumbprints)