i-Invest KWSP Malaysia: How to Invest EPF Savings Through i-Akaun

If you have been saving with EPF (KWSP) for years, you might have wondered, is there a way to make my savings work harder for me? The answer is yes, and it is called i-Invest KWSP.

i-Invest is a digital investment platform offered by EPF (Kumpulan Wang Simpanan Pekerja) that lets members take a portion of their retirement savings and put it into approved investment funds.

Instead of just sitting in your EPF account earning the annual dividend, that money can be invested in unit trust funds managed by professional fund managers.

It is part of a bigger programme called the Members Investment Scheme (MIS), which EPF has been running to help Malaysians take more control over their retirement planning.

What is i-Invest?

i-Invest is EPF's online investment platform. Through this platform, members can transfer part of their savings from their Akaun Persaraan into approved unit trust funds managed by licensed Fund Management Institutions (FMIs).

Instead of leaving all your EPF savings to grow only through EPF's annual dividend, you can move a portion of it into investment funds that may offer higher returns, though with higher risk as well.

The platform is accessible through the KWSP i-Akaun mobile app or the i-Akaun web portal, making it easy to manage your investments from anywhere.

Purpose of i-Invest

EPF introduced i-Invest to give members more options for growing their retirement savings. Here is what it is designed to do:

Give members an investment option beyond EPF's annual dividend
Help Malaysians build a bigger retirement fund over the long term
Encourage members to diversify their savings across different investment types
Make investing more accessible through a digital platform

It is a way for EPF to support better financial planning among Malaysians, especially those who are looking for ways to grow their wealth before retirement.

Who Can Use i-Invest?

Not everyone is eligible to invest through i-Invest. Here are the requirements:

You are eligible if you are:

A Malaysian citizen
A Permanent Resident (PR) in Malaysia
A non-Malaysian who registered as an EPF member before 1 August 1998

You also need to:

Be below 55 years of age
Have an active i-Akaun (Member) account
Have enough savings in your Akaun Persaraan above the Basic Savings threshold (more on this below)

What about Members Aged 55 and Above?

Members who are 55 years old and above are not part of the i-Invest scheme.

However, they have a separate option called the Age 55/60 Withdrawal (Investment), which allows them to invest part of their savings after making the relevant withdrawal.

Applications for this can be made through the KWSP i-Akaun app or web portal.

How Investment Works

EPF sets a "Basic Savings" amount based on your age. Before you can invest, you must keep this minimum amount in your Akaun Persaraan.

Only the savings above your Basic Savings are eligible for investment, and from that excess, you can invest up to 30% of it. The minimum investment amount is RM1,000.

What is Basic Savings?

Basic Savings is a target amount set by EPF to make sure members still have enough saved for retirement.

It increases as you get older, with the goal of helping members reach around RM390,000 by age 60. This amount is designed to support basic retirement living needs — estimated at RM1,625 per month in the first year of retirement, projected to grow gradually over 20 years.

EPF makes sure you still have enough money for retirement before allowing any investment.

Here is the full Basic Savings table for 2026:

Age	Basic Savings (RM)	Age	Basic Savings (RM)
18	900	40	74,000
19	1,100	41	80,200
20	1,500	42	86,700
21	1,900	43	93,600
22	4,000	44	100,000
23	6,200	45	108,000
24	8,500	46	115,000
25	11,000	47	124,000
26	13,700	48	132,000
27	16,600	49	141,000
28	19,600	50	150,000
29	22,900	51	160,000
30	26,300	52	170,000
31	30,000	53	181,000
32	33,900	54	192,000
33	38,100	55	203,000
34	42,400	56	216,000
35	47,000	57	228,000
36	51,900	58	241,000
37	57,000	59	255,000
38	62,400	60	270,000
39	68,100

Note: The table above refers to the New Basic Savings for 2026, effective from 1 January 2026.

Sample Eligibility Calculation

Here are three examples to show how it works:

Member A: Age 22, Savings: RM2,000

Basic Savings for age 22: RM4,000
Savings is below Basic Savings → Not eligible

Member B: Age 22, Savings: RM6,000

Basic Savings for age 22: RM4,000
Excess: RM6,000 − RM4,000 = RM2,000
30% of excess: RM2,000 × 30% = RM600
Amount is below RM1,000 minimum → Not eligible

Member C: Age 25, Savings: RM24,000

Basic Savings for age 25: RM11,000
Excess: RM24,000 − RM11,000 = RM13,000
30% of excess: RM13,000 × 30% = RM3,900
Amount is above RM1,000 minimum → Eligible, can invest up to RM3,900

Where You Can Invest

All investments under i-Invest must go through EPF-approved Fund Management Institutions (FMIs). These are licensed unit trust and asset management companies that have been appointed by EPF.

Some of the approved FMIs include:

Public Mutual Bhd
Kenanga Investors Bhd
Principal Asset Management Bhd
RHB Asset Management Sdn Bhd
Eastspring Investments Bhd
AmFunds Management Bhd
AHAM Asset Management Berhad
Hong Leong Asset Management Bhd
Manulife Investment Management (M) Berhad
TA Investment Management Bhd
And many more approved by EPF

Members who are under Simpanan Shariah can only invest in Shariah-compliant unit trust products listed by EPF.

You can check the full and updated list of approved FMIs directly on the EPF website or through your i-Akaun portal.

How to Access i-Invest

There are two ways to access i-Invest:

Via KWSP i-Akaun (app or web portal)

Register as an i-Akaun (Member) user
Make sure your mobile number is registered to receive TAC (Transaction Authorisation Code)
Log in to the KWSP i-Akaun app or web portal
Click on the i-Invest tab
Choose your preferred fund and FMI, then submit your application

Via FMI agent or counter

Visit your chosen FMI's office or agent
Obtain and fill in Form KWSP 9N (AHL). This form must be obtained directly from the FMI
Bring your Identity Card (or Passport for non-Malaysian EPF members registered before 1 August 1998)
Submit the completed form and documents

What You Can Invest In

Through i-Invest, members can only invest in approved unit trust funds managed by professional fund managers from EPF-appointed FMIs.

Members who are under Simpanan Shariah can only invest in Shariah-compliant unit trust products listed by EPF.

Key Rules of i-Invest

Before you invest, here are the important rules to know:

All investments must go through EPF-approved FMIs only
Members cannot use their own personal cash — only EPF savings can be used under this scheme
Applications cannot be cancelled once submitted
Returns are not guaranteed
Full investment risk is borne by the member
The amount invested does not earn EPF's annual dividend
Investment eligibility is recalculated every 3 months
EPF does not charge any service fee, but FMIs or IUTAs may charge their own fees

Benefits of i-Invest

Here is what i-Invest can offer you:

Opportunity to grow retirement savings beyond EPF's annual dividend
Diversification of your retirement portfolio across different funds and asset classes
Easy digital access through the KWSP i-Akaun app and web portal
Professional fund management by licensed and experienced fund managers

Risks to Understand

i-Invest is an investment, and all investments carry risk. Here is what to keep in mind before you start:

Investment value can go up or down depending on market conditions
There is no fixed or guaranteed return
Full investment risk is borne by the member
EPF strongly encourages members to read and fully understand all fund documents published by the FMI before making any investment decision

Why i-Invest Matters

For most Malaysians, EPF savings are the main source of retirement funds. i-Invest gives members the option to do more with those savings — while still working within the EPF framework.

It helps Malaysians plan their retirement better, gives more flexibility in managing EPF savings, and encourages long-term financial discipline. It also supports financial literacy and investment awareness, which are important for anyone planning for retirement in Malaysia.

FAQs

What is i-Invest in EPF?

i-Invest is a digital platform by EPF (KWSP) that allows eligible members to invest part of their Akaun Persaraan savings into approved unit trust funds managed by licensed Fund Management Institutions (FMIs). It is part of EPF's Members Investment Scheme (MIS).

Who can invest using i-Invest?

Malaysian citizens, Permanent Residents (PR), and non-Malaysians who became EPF members before 1 August 1998 can use i-Invest, as long as they are below 55 years old and have savings in Akaun Persaraan that exceed the Basic Savings amount for their age.

How much EPF savings can I invest?

You can invest up to 30% of the amount in your Akaun Persaraan that exceeds the Basic Savings for your age.

The minimum investment is RM1,000. Your eligible investment amount is recalculated every 3 months.

Is i-Invest safe?

i-Invest is a legitimate programme run by EPF, and all investments must go through EPF-approved FMIs. However, the investment itself carries market risk.

Returns are not guaranteed, and the value of your investment can go up or down. EPF does not cover any losses.

Can I withdraw money anytime from i-Invest?

Once an application is submitted, it cannot be cancelled. For redemptions or fund withdrawals, you will need to follow the rules of the specific FMI and fund you have invested in.

EPF releases control of the invested amount when you turn 55 or make a qualifying full withdrawal such as Leaving Country, Incapacitation, Pensionable Employees, or Death Withdrawal.

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