Investment Eligibility
Members below the age of 55 years
Members may transfer their savings to invest as follows:
Calculation formula:
(Akaun Persaraan - Basic Savings) x 30%.
Members aged 55 years and above
Calculation Example
| Member | Age | EPF Akaun Persaraan (Balance) | EPF Basic Savings Amount | Calculation | Eligibility |
|---|---|---|---|---|---|
| A | 22 | RM 3,000 | RM 4,000 | - | Not eligible: Balance is less than the Basic Savings threshold |
| B | 22 | RM 6,000 | RM 4,000 | RM 6,000 - RM 4,000 x 30% = RM 600 | Not eligible: Minimum required amount is RM1,000 |
| C | 25 | RM 17,000 | RM 11,000 | RM 17,000 - RM 11,000 x 30% = RM 1,800 | Eligible: Permitted investment amount ranges from RM1,000 (min) to RM1,800 (max) |
What is Basic Savings?
Basic Savings is a pre-determined amount in EPF Akaun Persaraan, structured by age to ensure members accumulate at least RM270,000 by age 60, in accordance with the Retirement Income Adequacy (RIA) Framework. This benchmark is designed to support a sustainable monthly drawdown for approximately 20 years, aligned with Malaysia’s average life expectancy.
Any savings exceeding the Basic Savings threshold may be invested through appointed fund management institutions, enabling members to optimise returns on surplus funds.
| Age | EPF Basic Savings Amount (RM) |
|---|---|
| 18 | 900 |
| 19 | 1100 |
| 20 | 1500 |
| 21 | 1900 |
| 22 | 4000 |
| 23 | 6200 |
| 24 | 8500 |
| 25 | 11000 |
| 26 | 13700 |
| 27 | 16600 |
| 28 | 19600 |
| 29 | 22900 |
| 30 | 26300 |
| 31 | 30000 |
| 32 | 33900 |
| 33 | 38100 |
| 34 | 42400 |
| 35 | 47000 |
| 36 | 51900 |
| 37 | 57000 |
| 38 | 62400 |
| 39 | 68100 |
| 40 | 74000 |
| 41 | 80200 |
| 42 | 86700 |
| 43 | 93600 |
| 44 | 100000 |
| 45 | 108000 |
| 46 | 115000 |
| 47 | 124000 |
| 48 | 132000 |
| 49 | 141000 |
| 50 | 150000 |
| 51 | 160000 |
| 52 | 170000 |
| 53 | 181000 |
| 54 | 192000 |
| 55 | 203000 |