How to Invest in Unit Trust: Updated list for EPF-MIS FOR 2022/23 | Investment Series

Investing through Unit Trust

One of the way to grow your wealth is through unit trust.

Unit trust is good because it allows diversification with professional management.

With so many funds available in Malaysia, we have compiled a list of Unit Trust for EPF-MIS for 2022/2023 for your reference.

EPF Members Investment Scheme (MIS)

Retirement Savings Diversification Through the Members Investment Scheme, you have the option and flexibility to diversify your retirement portfolio and enhance your retirement savings.

You can transfer part of the funds in your Account 1 for investments via the appointed Fund Management Institutions (FMIs) for a period of 12 months ending 30 April 2021.

No upfront fees imposed by FMI for investments transacted through Principal Investment.

For investments made through agents, the upfront fee will be reduced from a maximum of 3% to a maximum of 1.5%.

Here is the updated list for EPF-MIS FOR 2022/23.

MIS = Members Investment Scheme

(Note: Funds highlighted in yellow are newly added funds.)

No	UTMCs	Fund Name	Approved	Suspended	Removed
1	Affin Hwang Asset Management   Berhad	Affin Hwang Aiiman Balanced Fund	√
2		Affin Hwang Aiiman Quantum Fund	√
3		Affin Hwang Aiiman Growth Fund	√
4		Affin Hwang Aiiman Money Market Fund	√
5		Affin Hwang Bond Fund	√
6		Affin Hwang Enhanced Deposit Fund	√
7		Affin Hwang Equity Fund	√
8		Affin Hwang Growth Fund – MYR*	√
9		Affin Hwang Principled Growth Fund	√
10		Affin Hwang Select Asia Pacific (ex Japan) Dividend Fund - MYR class	√
11		Affin Hwang Select AUD Income Fund - MYR class	√
12		Affin Hwang Select Balanced Fund	√
13		Affin Hwang Select Dividend Fund	√
14		Affin Hwang Select Opportunity Fund	√
15		Affin Hwang Select SGD Income Fund - MYR class	√
16		Affin Hwang Tactical Fund	√
17		Affin Hwang Aiiman Income Plus Fund		√
18		Affin Hwang Aiiman Select Income Fund		√
19		Affin Hwang ASEAN Flexi Fund – MYR Class		√
20		Affin Hwang Select Asia Pacific (ex-Japan) Balanced Fund – MYR Class		√
21		Affin Hwang Aiiman Asia (ex-Japan) Growth Fund – MYR Class		√
22		Affin Hwang Select Asia (ex-Japan) Opportunity Fund		√
23		Affin Hwang Select Asia Pacific (ex-Japan) REITs Fund			√
24	AmFunds   Management   Berhad	AmAsia Pacific REITs – Class B (MYR)	√
25		AmAsia Pacific REITs Plus	√
26		Asia Pacific Property Equities	√
27		AmBalanced	√
28		AmDividend Income	√
29		AmDynamic Allocator	√
30		AmDynamic Bond	√
31		Global Property Equities Fund	√
32		AmIslamic Balanced	√
33		AmIslamic Growth	√
34		AmMalaysia Equity	√
35		Pan European Property Equities	√
36		AmTotal Return	√
37	Eastspring   Investments   Berhad	Eastspring Investments Small-cap Fund	√
38		Eastspring Investments Growth Fund	√
39		Eastspring Investments Dana al-Ilham	√
40		Eastspring Investments Dana al-Islah	√
41		Eastspring Investments Cash Management Fund- Class R	√
42		Eastspring Investments Dynamic Fund	√
43		Eastspring Investments Dana Dinamik	√
44		Eastspring Investments Equity Income Fund	√
45		Eastspring Investments Islamic Income Fund- Class R	√
46		Eastspring Investments MY Focus Fund	√
47		Eastspring Investments Bond Fund		√
48		Eastspring Investments Balanced Fund		√
49		Eastspring Investments Dinasti Equity Fund		√
50		Eastspring Investments Asia Pacific Equity MY Fund			√

51	Principal Asset  Management   Berhad	Principal Islamic Malaysia Opportunities Fund	√
52		Principal Islamic Asia Pacific Dynamic Equity Fund	√
53		Principal Islamic Lifetime Balanced Fund	√
54		Principal DALI Asia Pacific Equity Growth Fund	√
55		Principal DALI Equity Fund	√
56		Principal Islamic Lifetime Enhanced Sukuk Fund	√
57		Principal Islamic Enhanced Opportunities Fund	√
58		Principal Islamic Lifetime Sukuk Fund	√
59		Principal Asia Pacific Dynamic Growth Fund (Class MYR)	√
60		Principal Asia Pacific Dynamic Income Fund (Class MYR)	√
61		Principal Asia Pacific Dynamic Mixed Asset Fund (Class MYR)	√
62		Principal Asia Titans Fund	√
63		Principal Lifetime Bond Fund	√
64		Principal Lifetime Enhanced Bond Fund	√
65		Principal China-India-Indonesia Opportunities Fund	√
66		Principal Islamic Money Market Fund (Class AR)	√
67		Principal Malaysia Titans Fund	√
68		Principal Malaysia Opportunities Fund	√
69		Principal Titans Growth & Income Fund	√
70		Principal Greater China Equity Fund (Class MYR)	√
71		Principal Small Cap Opportunities Fund	√
72		Principal Islamic Lifetime Balanced Growth Fund		√
73		Principal DALI Equity Growth Fund		√
74		Principal DALI Opportunities Fund (Class MYR)		√
75		Principal Islamic Small Cap Opportunities Fund		√
76		Principal Lifetime Balanced Fund		√
77		Principal Global Titans Fund (Class MYR)		√
78		Principal Dynamic Enhanced Malaysia Income Fund		√
79		Principal KLCI-Linked Fund		√
80		Principal Malaysia Titans Plus Fund (Class MYR)		√
81		Principal ASEAN Dynamic Fund (Class MYR)		√
82	MIDF	MIDF Amanah Shariah Money Market Fund	√
83		MIDF Amanah Dynamic Fund		√
84		MIDF Amanah Growth Fund		√
85		MIDF Amanah Islamic Fund		√
86		MIDF Amanah Strategic Fund		√
87	KAF	KAF Core Income Fund	√
88		KAF Dana Al-Iddhikhar	√
89		KAF Dana Alif	√
90		KAF Dana Adib	√
91		KAF Tactical Fund	√
92		KAF Vision Fund	√
93		KAF First Fund		√
94	BOSWM	Pacific Millennium Fund		√
95	PHEIM	Dana Makmur Pheim	√
96		Pheim Asia Ex Japan Islamic Fund	√
97		Pheim Emerging Companies Balanced Fund	√
98		Pheim Income Fund		√
99		Pheim Asia Ex Japan Fund			√
100	TA	TA Comet Fund	√
101		TA Islamic Fund	√
102		TA Small Cap Fund	√
103		TA Dana Fokus	√
104		TA Dana OptiMix	√
105		TA Islamic CashPLUS Fund	√
106	RHBAM	RHB Big Cap China Enterprise Fund	√
107		RHB Bond Fund	√
108		RHB Dynamic Fund	√
109		RHB Islamic Cash Management Fund	√
110		RHB Malaysia DIVA Fund	√
111		RHB iCash Fund	√
112		RHB Asian Income Fund		√
113		RHB ASEAN Fund		√
114		RHB Global Allocation Fund		√
115		RHB Global Equity Yield Fund		√
116		RHB Income Fund 2		√
117		RHB Islamic Bond Fund		√
118		RHB Islamic Regional Balanced Fund - RM		√
119		RHB Thematic Growth Fund		√
120		RHB Entrepreneur Fund		√
121		RHB Golden Dragon Fund		√
122		RHB Islamic Global Developed Markets Fund		√
123	Apex	Apex Dana Al-Faiz-I	√
124		Apex Dana Al-Kanz	√
125		Apex Dana Al-Sofi-I	√
126		Apex Malaysia Growth Trust	√
127		Apex Dana Aslah		√
128		Apex Dynamic Fund			√
129		PMB Shariah Index Fund	√
130		PMB Shariah Cash Management Fund	√
131	PMBI	PMB Dana Al-Aiman	√
132		PMB Dana Bestari	√
133		PMB Shariah Growth Fund	√
134		PMB Shariah Premier Fund	√

The list is updated of of 25 March 2022.

Important Notes: Who can apply for EPF MIS:

Malaysians, OR Permanent Residents (PR) OR Non-Malaysians (registered as EPF Members before 1 August 1998)

Age: Below 55 years of age

Have sufficient savings with the EPF

Application via counter/FMI's agent or i-Akaun (Member)

What You Should Know about EPF-MIS:

• All investments must be made through the appointed FMIs/related IUTA.
• Application must be submitted via the FMI`s agent/i-Akaun (Member).
• Applications cannot be revoked once submitted.
• Application can be made at any time in various unit trust funds / various FMIs appointed by the depending on investment eligibility amount.
• Investment eligibility amount will be updated every 3 months.
• Member are not allowed to make additional investments  using their own funds.
• All investment risks are assumed by members. Members are encouraged to fully understand the documents on fund published by FMIs prior to making any investment decision.
• Amount invested under this scheme is not entitled to EPF’s annual dividend.
• Amount transferred to FMIs is not subjected to member’s EPF nomination.
• Members below 55 years, in the event of liquidation of investments or delisting of FMIs, FMIs are required to return the invested amount including any profits to the EPF.
• The EPF will release control of the amount invested in the FMI when a member reaches age 55 or has made a full withdrawal through Leaving Country/ Incapitation/ Pensionable Employees/Death Withdrawal.Any investment transaction made is between the member and the FMIs.
• Members who are opted for Simpanan Shariah are only allowed to invest in Shariah compliant unit trust products listed by the EPF.
• No service charge will be imposed by the EPF. However,it may be imposed by the FMIs/IUTA for the investment made.

Happy Investing! 😉

Reference:

https://www.kwsp.gov.my/member/investment