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| Why This Account/Plan? | Unit trusts are collective investment schemes where investors with similar objectives pool their resources together to gain better synergy and investment opportunities through a professional fund manager. Your money is diversified into various instruments such as equities, bonds and money market instruments according to the fund’s objectives. Unit trusts offer a convenient way to gain exposure into different investment opportunities ranging from local to regional or global markets, which can potentially bring you higher returns compared to traditional deposits. |
Bonds are instruments issued by corporations or governments to meet their financing needs. Retail Bonds are normally considered a safe choice and is issued with a credit rating from RAM or MARC. You receive an agreed-upon interest which is usually higher than fixed deposit rates, at a pre-determined frequency until maturity. At maturity, you receive the face value of the bond papers. You also have the flexibility to redeem your investments any time, subject to market prices. |
Available to all EPF members for investing in unit trusts using funds under the EPF Members Investment Scheme. Good for long-term capital growth as facts show that EPF savings may not be sufficient to fund an individual’s retirement. By investing regularly at quarterly intervals, you benefit from the Dollar Cost Averaging strategy which reduces your average investment cost over time, so that you potentially improve your returns. | This assurance plan will have experts to manage and invest your money. Increase your savings anytime you like and switch between funds to ensure you meet your savings objectives and address any change in risk appetite. Withdraw your investment or put off your premium payment temporarily in the event of financial difficulties. A life protection feature ensures you and your loved ones are taken care of in the unfortunate event of death or permanent disability. |
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| Tenure | Recommended Investment Timeframe: Medium to long term | Long dated ranging from 5,10,15,20,25 years to perpetual bonds. | Recommended Investment Timeframe: Medium to long term | 99 years | 5,10,15, 20, 25 or 30 years | |||||||||||||||||||
| Interest / Profit | Returns are based on the performance of funds, which varies from fund to fund. |
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Potentially higher than traditional deposits over a longer period. | Based on NAV | Highest market price achieved throughout the chosen product tenure, when held till maturity. | |||||||||||||||||||
| Min Account Opening | Initial Investment:
*RM1,000 Subsequent Investment: *RM100 – RM200 *Varies according to funds. |
RM250,000 (in further multiples of RM50,000) | RM1,000 from your EPF Account 1 |
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RM50 | |||||||||||||||||||
| Eligibility |
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Individuals aged between 19 years to 65 years old. The age is based on Age Next Birthday. | ||||||||||||||||||||
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| Why This Account/Plan? | Unit trusts are collective investment schemes where investors with similar objectives pool their resources together to gain better synergy and investment opportunities through a professional fund manager. Your money is diversified into various instruments such as equities, bonds and money market instruments according to the fund’s objectives. Unit trusts offer a convenient way to gain exposure into different investment opportunities ranging from local to regional or global markets, which can potentially bring you higher returns compared to traditional deposits. |
Bonds are instruments issued by corporations or governments to meet their financing needs. Retail Bonds are normally considered a safe choice and is issued with a credit rating from RAM or MARC. You receive an agreed-upon interest which is usually higher than fixed deposit rates, at a pre-determined frequency until maturity. At maturity, you receive the face value of the bond papers. You also have the flexibility to redeem your investments any time, subject to market prices. |
Available to all EPF members for investing in unit trusts using funds under the EPF Members Investment Scheme. Good for long-term capital growth as facts show that EPF savings may not be sufficient to fund an individual’s retirement. By investing regularly at quarterly intervals, you benefit from the Dollar Cost Averaging strategy which reduces your average investment cost over time, so that you potentially improve your returns. | This bancassurance plan will have experts to manage and invest your money. Increase your savings anytime you like and switch between funds to ensure you meet your savings objectives and address any change in risk appetite. Withdraw your investment or put off your premium payment temporarily in the event of financial difficulties. A life protection feature ensures you and your loved ones are taken care of in the unfortunate event of death or permanent disability. |
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| Tenure | Recommended Investment Timeframe: Medium to long term | Long dated ranging from 10 years to perpetual bonds. | Recommended Investment Timeframe: Medium to long term | 99 years | 15, 20, 25 or 30 years | |||||||||||||||||
| Interest / Profit | Returns are based on the performance of funds, which varies from fund to fund. |
|
Potentially higher than traditional deposits over a longer period. | Based on NAV | Highest market price achieved throughout the chosen product tenure, when held till maturity. | |||||||||||||||||
| Min Account Opening | Initial Investment:
*RM1,000 Subsequent Investment: *RM100 – RM200 *Varies according to funds. |
RM250,000 (in further multiples of RM50,000) | RM1,000 from your EPF Account 1 |
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RM50 | |||||||||||||||||
| Eligibility |
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Individuals aged between 19 years to 65 years old. The age is based on Age Next Birthday. | ||||||||||||||||||
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