Regular investment plan is a plan that allows you to invest into the Funds at a regular fixed interval with a fixed amount. As the NAV per Unit of the Funds may go down as well as up, by investing regularly, you will benefit in the long run as you are able to average the cost of your holdings in the Funds (Ringgit cost averaging).
EPF members have the option and flexibility to diversify their retirement portfolio and enhance their retirement savings through the EPF-Members Investment Scheme (EPF-MIS). Under this scheme, members who have sufficient savings can transfer part of the funds in their Account 1 for investments via the appointed Fund Management Institutions (FMIs), including Unit Trust Management Companies and Asset Management Companies.
Option 1: Form KWSP 9N (AHL) and Checklist (Through our distribution channels/FMI/IUTA)
The maximum Sales Charge applicable for investment under EPF-MIS (via any distribution channel) is 3% of the NAV per Unit. There will be no repurchase charge imposed for the repurchase of Units of the EPF-MIS approved funds. The above is only applicable to investors who purchase Units via EPF-MIS and is subject to changes by EPF from time to time.
Option 2: EPF’s i-Invest platform (Through EPF website – online i-Akaun [Member])
Alternatively, EPF members may also make their investment online through the EPF’s ‘i-Invest platform’ by login their i-Akaun (Member). Members are advised to check the remaining balance of Account 1 and the amount of investment eligibility first through i-Account (Member) before making the investment.
Eligibility Amount of Investment from Account 1
Basically, EPF members may transfer their savings to invest as follows:
- Up to a maximum of 30% of the total Basic Savings surplus in Account 1.
- The minimum investment amount is RM1,000.
Calculation formula:
(Account 1 – Basic Savings) x 30%.
Basic Savings is a pre-determined amount set according to age in Account 1 to enable members achieve a minimum savings of RM240,000 when they reach age 55. The implementation of the Basic Savings is to ensure that members have sufficient savings at a minimum amount of RM1,000 per month when they retire in order to support their basic retirement needs for 20 years from age 55 to 75, in line with Malaysians’ life expectancy.
The amount in excess of the Basic Savings can be invested in appointed Fund Management Institutions. The latest revision in this quantum has been implemented starting 1 January 2019, as below:
| Age | Basic Savings (RM) | Age | 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 |
Sample of Eligibility Calculation:
| Member | Age | Savings in Account 1 (RM) | New Basic Savings (RM) | Calculation for Investment (30%) | Eligibility |
| A | 22 | 4,000 | 10,000 | – | Member is not eligible, savings in Account 1 is less than the new Basic Savings |
| B | 22 | 11,000 | 10,000 | (11,000 – 10,000) x 30% = RM300 | Member is not eligible, minimum eligibility amount is RM1,000 |
| C | 25 | 24,000 | 18,000 | (24,000 – 18,000) x 30% = RM1,800 | Member is eligible, minimum eligibility amount is RM1,000 and maximum amount is RM1,800 |