EPF Member’s Investment Scheme (“EPF-MIS”)

EPF members may invest in EPF-MIS Approved Funds.  As of 1 March 2018, our EPF-MIS Approved Funds are:
  1. Pheim Emerging Companies Balanced Fund
  2. Dana Makmur Pheim
  3. Pheim Income Fund

The list of EPF-MIS Approved Funds is reviewed by EPF on a periodical basis, and further updates and/or announcement can be found in our website.

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The minimum amount of savings that can be withdrawn is RM1,000 and can be made at intervals of three months from the date of the last transfer, subject to the availability of the Basic Savings required in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 until 31 Dec 2018

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

 

Revised Basic Savings In Account 1 with effect from 01 Jan 2019

Age (Years)  Basic Savings (RM) Age (Years)   Basic Saving (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  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)