Maximising Your EPF/KWSP Return

Investing in unit trust using EPF or KWSP saving is a very simple process.
Before investing you need to of course choose a unit trust fund that was approved for EPF/ KWSP saving. Please refer to how to choose EPF / KWSP fund.
Fees & Features
These are the standard fees and features of cash investment.

Minimum Investment	RM1,000
Maximum Investment	No limit
Minimum Additional investment	RM100
Maximum Additional Investment	No Limit
Standard Service Fee For Equity and Balance Funds	3.0% (one time on entry)
Standard Service Fee For Bond and Money Market Funds	0.25% (one time on entry)
Repurchase Fee	NIL
Annual Management Fee	Varies depending on fund
Annual Trustee Fee	Varies depending on fund
Switching Fee	RM25 per switch
Transfer Fee	RM25 per transfer

Documents
These are the documents required for cash investment:-

1. New Investor Form – if you are first time investor with Public Mutual.
2. EPF Members Investment Scheme
3. Permohonan Pengeluaran Pelaburan Ahli
4. FIMM Pre-Investment Form – if first time investing in a particular fund.
5. A copy of your I.C.

New Investor

EPF Investment

EPF Withdrawal

Sample I.C.

FIMM Pre-Investment

Submission
The above document can be submitted to any Public Mutual Berhad branches for processing.

Account Activation
Your unit price will be calculated from the date of submission. But the the account will be still pending approval from EPF. This will usually take about one month. You will receive confirmation letter from both EPF and Public Mutual Berhad, once your EPF withdrawal is approved.

Payment (investment amount)
Fund will be transfered directly from your EPF account one to your investment account.

Additional Investment
You can apply for fund transfer once every 3 months. This rule was set by EPF / KWSP.

How much can you transfer from Account 1
To calculate how much you can invest from your EPF Account 1, please  refer to EPF Investment Schedule & Calculation