EPF Members Investment Scheme
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    Diversify your EPF Savings with Affin Hwang AM

    EPF Members Investment Scheme (“EPF-MIS”) is a voluntary investment scheme introduced in November 1996 as an option for EPF members to boost their retirement savings.

    Under this scheme, members have a choice to transfer not more than 30% from the savings in excess of the Basic Savings amount in Account 1 into unit trust products offered by the appointed Fund Management Institutions (FMI).

    Benefits of EPF-MIS
    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 give you higher returns and boost the total value of your EPF savings
    Effective alternative to long-term investments
    Eligibility

    EPF members, age 18 – 55 with savings above the prescribed Basic Savings amount in Account 1

    What is Basic Savings?

    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.

    Basic Savings Schedule

    18
    2,000
    19
    4,000
    20
    6,000
    21
    8,000
    22
    10,000
    23
    13,000
    24
    15,000
    25
    18,000
    26
    21,000
    27
    24,000
    28
    27,000
    29
    31,000
    30
    35,000
    31
    39,000
    32
    43,000
    33
    47,000
    34
    52,000
    35
    57,000
    36
    62,000
    36
    68,000
    38
    74,000
    39
    80,000
    40
    86,000
    41
    93,000
    42
    101,000
    43
    108,000
    44
    116,000
    45
    125,000
    46
    134,000
    47
    144,000
    48
    154,000
    49
    164,000
    50
    175,000
    51
    187,000
    52
    199,000
    53
    212,000
    54
    226,000
    55
    240,000
    How does EPF-MIS Work?

    30% from the savings in excess of the Basic Savings amount in Account 1

    Calculation:

    (Total savings in EPF Account 1 - Basic Savings required in EPF Account 1) x 30%

    Example:
    Irina is a 35-year old EPF member and she 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

    Did you know?

    EPF
    EPF Members may choose between Simpanan Konvensional or Simpanan Shariah
    01

    Konvensional
    02

    Shariah
    What is Simpanan Shariah?

    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.

    Differences between Simpanan Shariah and Simpanan Konvensional

    Membership
    EPF members may choose to switch their account to Simpanan Shariah
    Simpanan Konvensional is the default option for EPF members if they do not opt for Simpanan Shariah
    Akad
    (Shariah Contract)
    Applicable
    Not Applicable
    Dividend Rate
    Based on performance of shariah compliant investment
    Based on performance of the conventional investment and is subject to minimum dividend of 2.5%
    Endorsement by Shariah Advisory Committee (SAC) of EPF
    Applicable
    Not Applicable
    Endorsement by Shariah Advisory Committee (SAC) of EPF
    Not allowed to revert to Simpanan Konvensional after the effective date
    Members may choose to switch from Simpanan Konvensional to Simpanan Shariah


    How to Register for Simpanan Shariah?
    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.

    Important Note

    Members who have chosen Simpanan Shariah are not allowed to revoke their decision and revert to Simpanan Konvensional after the effective date.
    NOW YOU CAN INVEST VIA EPF i-INVEST
    What is EPF i-Invest?

    EPF i-Invest is a self-service online investment platform within the EPF i-Akaun member portal. 

    i-Akaun (Member)

    • EPF member has to register as a user of i-Akaun (Member)
    • EPF member has to register their mobile phone number for receiving the TAC number.

    How to invest?
    01

    Log in to your EPF i-Akaun.


    02

    Click on "Investment" on the menu bar,  select "Transactions", then click "Buy".
    03

    Select Affin Hwang Asset Management Bhd as your fund management institution (FMI / IPD) & pick your desired unit trust fund(s).
    04

    Enter your investment amount & complete your transaction.
  • Bahasa
    Pelbagaikan Simpanan KWSP anda dengan Affin Hwang AM

    Skim Pelaburan Ahli ("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 amaun Simpanan Asas dalam Akaun 1 ke dalam produk unit amanah yang ditawarkan oleh Institusi Pengurusan Dana (“IPD”).

    Manfaat SPA KWSP
    Peluang mempelbagaikan simpanan persaraan anda
    Pelbagai pilihan dana bergantung kepada objektif dan ketahanan terhadap risiko
    Tiada pelaburan tunai diperlukan
    Pendedahan kepada pelaburan di luar Malaysia
    Potensi pulangan yang lebih tinggi bagi menambah nilai keseluruhan simpanan KWSP anda
    Pelaburan jangka panjang  alternatif yang efektif
    Kelayakan

    Ahli KWSP, umur 18 – 55 yang memiliki simpanan melebihi amaun Simpanan Asas dalam  Akaun 1 yang ditetapkan

    Apa itu Simpanan Asas?

    Simpanan Asas merujuk kepada amaun simpanan minimum yang diperlukan oleh pencarum untuk memenuhi keperluan asas mereka apabila mencapai umur persaraan.

    Nilainya di dalam Akaun 1 ditentukan mengikut umur. Secara umumnya, pencarum yang lebih tua memerlukan lebih banyak simpanan asas.

    Pelan Simpanan Asas

    18
    2,000
    19
    4,000
    20
    6,000
    21
    8,000
    22
    10,000
    23
    13,000
    24
    15,000
    25
    18,000
    26
    21,000
    27
    24,000
    28
    27,000
    29
    31,000
    30
    35,000
    31
    39,000
    32
    43,000
    33
    47,000
    34
    52,000
    35
    57,000
    36
    62,000
    36
    68,000
    38
    74,000
    39
    80,000
    40
    86,000
    41
    93,000
    42
    101,000
    43
    108,000
    44
    116,000
    45
    125,000
    46
    134,000
    47
    144,000
    48
    154,000
    49
    164,000
    50
    175,000
    51
    187,000
    52
    199,000
    53
    212,000
    54
    226,000
    55
    240,000
    Bagaimanakah SPA KWSP Berfungsi?

    30% daripada simpanan melebihi jumlah Simpanan Asas dalam Akaun 1

    Pengiraan:
    (Jumlah simpanan dalam KWSP Akaun 1 – Simpanan Asas diperlukan dalam Akaun 1 KWSP 1) x 30%

    Contoh:
    Irina adalah seorang ahli KWSP berusia 35-tahun dan dia mempunyai RM80,000 dalam Akaun 1 KWSP. Keperluan Simpanan Asas dalam Akaun 1 ialah RM57,000. Pengeluaran yang dibenarkan bagi KWSP-MIS ialah (RM80,000 - RM57,000) x 30% = RM6,900

    Tahukah Anda?

    EPF
    Ahli KWSP mempunyai pilihan untuk mencarum dalam Simpanan Konvensional atau Simpanan Shariah
    01

    Konvensional
    02

    Shariah
    Apakah Simpanan Shariah?

    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.

    Perbezaan antara Simpanan Shariah dan Simpanan Konvensional

    Keahlian

    Ahli KWSP boleh memilih untuk menukarkan akaun mereka kepada Simpanan Shariah
    Simpanan Konvensional ialah pilihan asal bagi ahli-ahli KWSP jika mereka tidak memilih Simpanan Shariah
    Akad
    (Kontrak Shariah)
    Diguna pakai
    Tidak diguna pakai
    Kadar Dividen
    Berasaskan prestasi  pelaburan patuh Shariah
    Berasaskan prestasi pelaburan konvensional dan tertakluk kepada dividen minimum 2.5%
    Pengendorsan oleh Jawatankuasa Penasihat Shariah (SAC) KWSP
    Diguna pakai
    Tidak diguna pakai
    Pertukaran Akaun
    Tidak dibenarkan untuk kembali kepada Simpanan Konvensional selepas tarikh kuat kuasa
    Ahli mempunyai pilihan untuk bertukar daripada Simpanan Konvensional kepada Simpanan Shariah


    Bagaimana untuk mencarum dalam Simpanan Shariah?

    Ahli KWSP perlu mengunjungi mana-mana kaunter KWSP dan mereka harus membawa MyKad untuk rakyat Malaysia, dan Pasport untuk pekerja asing untuk pengesahan identiti.

    Nota Penting
    Ahli KWSP yang telah memilih Simpanan Shariah tidak dibenarkan membatalkan keputusan untuk kembali kepada Simpanan Konvensional selepas tarikh kuat kuasa.

    PELABURAN DALAM SPA-KWSP KINI LEBIH MUDAH DENGAN i-INVEST KWSP 
    Apa itu i-Invest KWSP?

    i-Invest KWSP merupakan platform pelaburan atas talian layan diri dalam portal i-Akaun KWSP.

    i-Akaun (Ahli)

    • Ahli mendaftar sebagai pengguna i-Akaun (Ahli).
    • Ahli mempunyai nombor telefon bimbit yang berdaftar bagi penerimaan nombor TAC.

    Bagaimana cara untuk melabur?
    01

    Log masuk ke dalam
    02

    Klik "Pelaburan", pilih "Transaksi", dan kemudian klik "Beli".
    03

    Pilih Affin Hwang Asset Management Bhd sebagai institusi pengurusan dana (FMI / IPD) anda. Pilih dana unit amanah yang anda inginkan. 
    04

    Akhir sekali, daftar keluar dengan Affin Hwang Asset Management Bhd bagi melengkapkan transaksi.
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Copyright © 2020 Affin Hwang Asset Management Bhd
TENG CHEE WAI

Managing Director
Teng Chee Wai is the founder of Affin Hwang Asset Management Berhad (Affin Hwang AM). Over the past decade, he has built the Company to be the fastest growing and only independent investment management house in Malaysia’s top three, with an excess of RM47 billion in assets under management as at 31 December 2018.​

​In his capacity as Managing Director / Executive Director, Teng manages the overall business and strategic direction as well as the management of the investment team. His hands-on approach sees him actively involved in investments, product development and marketing. Teng’s critical leadership and regular participation in reviewing and assessing strategies and performance has been pivotal in allowing the Company to successfully navigate the economically turbulent decade.

Teng’s investment management experience spans more than 20 years, and his key area of expertise is in managing absolute return mandates for insurance assets and investment-linked funds in both Singapore and Malaysia. Prior to his current appointments, he was the Assistant General Manager (Investment) of Overseas Assurance Corporation (OAC) and was responsible for the investment function of the Group Overseas Assurance Corporation Ltd.​

​Teng began his career in the financial industry as an Investment Manager with NTUC Income, Singapore. He is a Bachelor of Science graduate from the National University of Singapore and has a Post-Graduate Diploma in Actuarial Studies from City University in London.
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