How Much Money You can Withdraw from EPF for Investment Guideline

EPF / KWSP members can withdraw money from their Account 1, to invest in unit trust, with the aim to earn higher return, and grow the retirement fund faster.
EPF / KWSP have set some limit as to how much an EPF members can withdraw from their account 1 for the purpose of investment. Base on the member’s age, a basic savings amount must be maintain in account 1, as stipulated in the table below. Members can invest up to  20% of the excess in any approved EPF unit trust fund, every 3 months.
Calculation
The following example shows how to do the calculation:-

Ahmad’s age is= 32
Account 1 balance = RM60,000 (base on his latest EPF statement)
From the Basic Saving table below, for his age, he must maintain a minimum of RM22,000 in account 1, and he could invest 20% from the excess into unit trust funds.
Formula= (Account 1 – Basic saving) X 20%
Withdrawal amount = (RM60,000 – RM22,000) X 20% = RM7,600
So, Ahmad can withdraw up to RM7,600 from his EPF account 1.
Additional investment
After the first investment, Ahmad can continue to withdraw from his EPF account 1 once every 3 months, under this scheme. The amount that he can withdraw will again depend on his age and his account 1 balance at the time of withdrawal. The minimum additional investment is RM1000. So, Ahmad can continue to withdraw from his account 1 once every 3 months, for as long as he is eligible to withdraw a minimum of RM1000.
How many funds Ahmad can choose?
Ahmad can invest into all EPF approved  funds, as long as he can meet the minimum RM1000 condition when investing into a fund for the first time. So for the above example, Ahmad can invest in up to 7 different funds. But this is normally not advisable.  He can also choose to invest in different fund, for each EPF withdrawal, as long as the amount is RM1000 or more.

Related Article: Procedures and documentation for EPF Investment Scheme
Basic Savings required in Account 1