EPF Members Investment Scheme (“EPF-MIS”) is a voluntary investment scheme introduced as an option for EPF members to boost their retirement savings. Under this scheme, members have a choice to transfer 30% from the savings in excess of the Basic Savings amount in Account 1 into unit trust products
EPF members, age 18 – 54 with savings above the prescribed Basic Savings amount in Account 1
Basic Savings refer to the minimum amount of savings that members need in order to support their basic retirement needs when they reach their retirement age.
It is a pre-determined amount set according to age in Account 1 – the older a person, the higher the basic savings requirement.
Age
[#pnl-age-filter-en]
Basic Savings
RM
0.00
30% from the savings in excess of the Basic Savings amount in Account 1
Total Savings in
EPF Account 1
Basic Savings required
in EPF Account 1
30%
If Irina is a 35-year old EPF member and has RM80,000 in her EPF account 1, her Basic Savings requirement in Account 1 is RM57,000. The permitted withdrawal for EPF-MIS will be (RM80,000 - RM57,000) x 30% = RM6,900.
Simpanan Shariah is a savings option managed and invested by EPF in accordance with Shariah principles. A Shariah governance framework is established to govern the Shariah compliance aspects of EPF's Simpanan Shariah.
Members who have chosen Simpanan Shariah are not allowed to revoke their decision and revert to Simpanan Conventional after the effective date.
EPF Members
may choose between
Simpanan Conventional or
Simpanan Shariah
Simpanan Conventional
Simpanan Shariah
Shariah
Convensional
Akad (Shariah Contract)
Shariah Compliant Dividend Rate
Conventional Minimum Dividend of 2.5%
Endorsed by Shariah Advisory Committee (SAC) of EPF
Account Switching
An opportunity to diversify your retirement savings
Variety of funds to choose from depending on your objective and risk level
No cash investment required
Overseas investment exposure
Potentially boost the total value of your EPF savings
Diversify your long term investments
EPF Members are required to be present at any EPF counter and they should bring along their MyKad for Malaysians, and Passport for foreigners for identity verification.
EPF i-Invest is a self-service online investment platform within the EPF i-Akaun member portal.
Skim Pelaburan Ahli KWSP ("SPA-KWSP") merupakan satu skim pelaburan sukarela yang diperkenalkan pada November 1996 sebagai satu alternatif bagi ahli KWSP menambah simpanan persaraan mereka. Di bawah skim ini, pencarum boleh memilih untuk memindahkan tidak melebihi 30% daripada simpanan yang melebihi jumlah Simpanan Asas dalam Akaun 1 ke dalam produk unit amanah yang ditawarkan oleh Institusi Pengurusan Dana (“IPD”).
Ahli KWSP, umur 18 – 54 yang memiliki simpanan melebihi jumlah Simpanan Asas dalam Akaun 1 yang ditetapkan
Simpanan Asas merujuk kepada jumlah simpanan minimum yang diperlukan oleh pencarum untuk memenuhi keperluan asas mereka apabila mencapai umur persaraan.
Nilai di dalam Akaun 1 ditentukan mengikut umur. Secara umumnya, pencarum yang lebih tua memerlukan lebih banyak simpanan asas.
Umur
[#pnl-age-filter-bm]
Simpanan Asas
RM
0.00
30% daripada simpanan melebihi jumlah Simpanan Asas dalam Akaun 1
Jumlah simpanan dalam KWSP Akaun 1
Simpanan Asas diperlukan dalam Akaun 1 KWSP 1
30%
Jika Irina ialah seorang ahli KWSP berumur 35 tahun yang mempunyai RM80,000 dalam Akaun 1 KWSP beliau, Simpanan Asas yang diperlukan dalam Akaun 1 ialah RM57,000. Jumlah pengeluaran yang dibenarkan untuk SPA-KWSP adalah (RM80,000 - RM57,000) x 30% = RM6,900
Simpanan Shariah ialah pilihan simpanan KWSP yang diuruskan dan dilaburkan menurut prinsip Shariah. Rangka kerja tadbir urus Shariah disediakan untuk memastikan Simpanan Shariah KWSP dikawal selia berlandaskan Shariah.
Ahli KWSP mempunyai pilihan untuk mencarum dalam Simpanan Konvensional atau Simpanan Shariah
Simpanan Konvensional
Simpanan Shariah
Shariah
Konvensional
Akad (Kontrak Shariah)
Shariah Compliant Dividend Rate
Berasaskan prestasi pelaburan konvensional dan tertakluk kepada dividen minimum 2.5%
Pengendorsan oleh Jawatankuasa Penasihat Shariah (SAC) KWSP
Pertukaran Akaun
Peluang mempelbagaikan simpanan persaraan anda
Pelbagai jenis dana untuk dipilih berdasarkan objektif dan tahap risiko
Tiada pelaburan tunai diperlukan
Pendedahan kepada pelaburan di luar Malaysia
Berpotensi meningkatkan jumlah nilai simpanan KWSP anda
Pelbagaikan pelaburan jangka panjang anda
Ahli KWSP perlu mengunjungi mana-mana kaunter KWSP dan mereka harus membawa MyKad untuk rakyat Malaysia, dan Pasport untuk pekerja asing untuk pengesahan identiti.
i-Invest KWSP merupakan platform pelaburan atas talian layan diri dalam portal i-Akaun KWSP.
