The EPF Members Investment Scheme (marketed as i-Invest inside i-Akaun) lets eligible members transfer up to 30% of the savings they hold above the age-based Basic Savings threshold in their Akaun Persaraan into unit trust funds approved by the EPF. The minimum per transaction is RM1,000, the eligible amount is valid for three months at a time, and buying online through i-Invest caps the sales charge at 0.5%.
- You can invest only the portion of Akaun Persaraan savings that sits above your Basic Savings amount, and only 30% of that surplus.
- The minimum investment is RM1,000 per transaction, and your eligible amount is valid for three months at a time before it is refreshed.
- Investing through the online i-Invest platform caps the sales charge at 0.5%, versus as much as 3% via traditional agents.
- Basic Savings scales with age up to RM390,000 at age 60 under the schedule effective 1 January 2026, so members keep a protected retirement floor.
Who this applies to: EPF members aged 18 to below 55 who have savings above the Basic Savings threshold and want to self-direct part of it into unit trusts.
On this page
Your EPF savings do not have to sit in one place earning only the annual dividend. If you have built up more than the retirement floor the EPF requires, you are allowed to put a measured portion of it into unit trust funds — and since 2019 you can do it yourself, online, without an agent.
That is what the Members Investment Scheme (MIS) is. Inside your i-Akaun it appears as the i-Invest tool, the member-directed side of the scheme where you choose the fund and place the order. It is one option among several — leaving your savings with the EPF to earn the annual dividend is the other.
Who can use it?
The scheme is open to EPF members from age 18 up to below 55 who hold savings above their Basic Savings threshold. Members aged 55 and above no longer use MIS — they invest through the Age 55/60 Withdrawal (Investment) route instead.
Basic Savings is the protected floor. It is set by age and scales upward: under the Basic Savings schedule effective 1 January 2026, the amounts build up to RM390,000 at age 60 — the level the EPF frames as enough for about RM1,625 a month across 20 years of retirement (age 60 to 80). Only what you hold above the floor set for your age is ever in play.
How much can I actually invest?
Not everything above the floor. The rule is 30% of the surplus:
| Step | Figure (illustrative only) |
|---|---|
| Akaun Persaraan balance | RM100,000 |
| Less: Basic Savings for your age | RM40,000 |
| Surplus | RM60,000 |
| Eligible to invest (30% of surplus) | RM18,000 |
The numbers above are an example, not your case. Basic Savings depends on your exact age and rises toward the RM390,000 age-60 figure, so the “less Basic Savings” line will differ for you. Two firm limits apply to everyone:
- Minimum RM1,000 per transaction.
- Your eligible amount is valid for three months at a time. Once that window lapses, the figure is refreshed against your current balance and Basic Savings — so in practice you can make a fresh transfer roughly once every three months, not continuously.
i-Invest versus an agent
The main practical difference is cost. Buying the same approved funds through the online i-Invest platform caps the sales charge at 0.5% of the transaction, against as much as 3% through traditional agent channels. The funds themselves are drawn from a list the EPF approves and reviews, spread across the fund management institutions on the panel; the choice of fund is yours either way.
What it does not do
MIS is not a withdrawal and not a guarantee. The money stays within the EPF framework — you are switching part of your savings from the EPF’s own returns into a market-linked fund that can fall as well as rise. There is no promised return, and poor fund performance can leave you with less than the dividend you would have earned by leaving the savings with the EPF. That trade-off is the whole point of the decision, and it cuts both ways.
What’s next
- Log in to i-Akaun and open i-Invest to see your own eligible amount — it is calculated for you, so you never have to work out Basic Savings by hand.
- Compare funds on the EPF’s approved list, checking each fund’s fees and past performance, and weigh them against simply keeping the savings in the EPF.
- Revisit after three months, when your eligibility window refreshes, rather than assuming last quarter’s figure still stands.
Who is eligible to invest under the Members Investment Scheme?
EPF members from age 18 up to below 55 whose Akaun Persaraan savings exceed the Basic Savings amount set for their age. Members aged 55 and above invest instead through the Age 55/60 Withdrawal (Investment) option.
How much of my EPF savings can I invest?
Up to 30% of the amount in your Akaun Persaraan that exceeds your Basic Savings threshold. The calculation is (Akaun Persaraan balance minus Basic Savings) multiplied by 30%.
What is the minimum I can invest and how often?
The minimum is RM1,000 per transaction. Your eligible amount is valid for three months at a time, so in practice you can make a fresh transfer once that period lapses.
The following are deliberately unstated or described only qualitatively until confirmed by a subject-matter expert:
- Exact Basic Savings schedule figures and any phase-in timeline for the RM390,000-at-age-60 target under the schedule effective 1 January 2026 (KWSP publishes a full by-age table that a human should confirm against the live i-Akaun calculator).
- Whether the RM1,625/month and 20-year (age 60 to 80) assumptions behind Basic Savings are still the current KWSP framing at time of review.
- Current maximum agent sales charge (the '3%' baseline is the standard pre-promotion cap; confirm no permanent reduction has since taken effect).
- Sensitivity/tier classification: this directs retirement money into market-linked funds; a human editor should review whether tier 3 / sensitivity 'none' remains appropriate and whether the framing is fully neutral.
Sources
- i-Invest: Member Investment Scheme — Employees Provident Fund (KWSP)
- EPF Launches i-Invest Online Platform Enabling Unit Trust Investment Directly From EPF Account — Employees Provident Fund (KWSP)
- Members Investment Scheme (MIS) — Eligibility Leaflet — Employees Provident Fund (KWSP)
- Employees Provident Fund (EPF) — Members Investment Scheme FAQ — Eastspring Investments (EPF-appointed fund management institution)
- EPF Announces Fee Reductions For EPF Members Investment Scheme — Malay Mail
Change history
| Version | Date | Change | By |
|---|---|---|---|
| 01.00 | 1 Aug 2026 | Approved and published. | — |