Optimise Your EPF savings with Unit Trusts

Most of retirees spend all their EPF money within 3 Years of retirement
-The Star 13 March 2010-

Given that the average lifespan for a Malaysian is 75 years, if we retire at 55 and spend all our EPF money within three years, a lot of us will be wondering how to survive from 58 to 75.

Investing your EPF monies in unit trust products gives you the opportunity to earn higher returns (at acceptable level of risk) in the long term thus providing you with a potentially bigger pool of funds at retirement.

Why invest via EPF members Investment scheme?
1) No cash investment required
Investment is transacted directly from your EPF Account 1.

2) Diversification
Oppotunity to diversify your retirement funds with EPF approved funds

3) Capital appreciation
Opportunity to reap capital growth as the return on your investment to boost the total lump sum of your EPF savings

EPF Members Investment Scheme
1) The scheme allows EPF members to invest 20% of the amount excess of the required Basic Savings in Account 1

2) You can only invest through appointed unit trust management company by the ministry of finance

3) You are allowed to make you second withdrawal three months after your first withdrawal, provided you are still eligible

Minimum Investment Amount and Charge
1) Minimum investment is RM1,000
2) Service Charge per unit - up to 30% of net asset value per unit as regulated by EPF