Did you know you can invest in unit trusts using your EPF money via the EPF i-Invest scheme? This lets part of your EPF savings be invested in approved unit trust funds, with potential for higher returns (and risk). This step-by-step guide explains how.
What is EPF i-Invest?
i-Invest is EPF's online platform that lets eligible members transfer part of their savings (per EPF's set conditions & limits) into approved unit trust funds under the Members Investment Scheme.
Steps to use i-Invest
- Log in to EPF i-Akaun and go to the i-Invest section.
- Check eligibility & investable amount (per current EPF rules).
- Choose an approved fund — compare objectives, past performance & fees.
- Execute the investment directly via the platform (lower sales charges than traditional channels).
- Monitor & rebalance periodically.
Important: Eligibility, limits & the approved fund list change over time. Always check the latest info on EPF's official portal before acting.
Risk note: Investing carries risk; values can rise & fall and past returns don't guarantee the future. This is general education, not specific investment advice. Consult a licensed adviser before investing.
Nazim's Take
i-Invest isn't for everyone — only consider it if you understand the risks and the chosen fund truly suits you. Investing EPF without understanding can harm your retirement savings. When in doubt, get advice first.
Frequently Asked Questions
Is it safe to invest EPF in unit trusts?
There's risk — values can fall. It suits only if you understand the risk & pick suitable funds. Your remaining EPF still earns dividends.
How much EPF can I invest?
Subject to current conditions & limits EPF sets by age & balance. Check EPF's official portal for exact amounts.
Are i-Invest fees lower?
Yes, the i-Invest channel usually charges lower sales fees than traditional channels. Check fund fees before investing.