How To Invest Public Mutual Fund Using EPF?
At first, I would like to take this opportunity to say thank to my friend who is also Malaysia’s Public Mutual Agent - Yeoh Tze Haw as he provides this kind of EPF investment information for me to share with you all.
For those of you who have not invested in unit trust using your EPF, it’s time to invest. EPF themselves uses OUR money to invest in funds to earn returns to pay contributors smaller dividends. Last year 4.5%. Where else if you invest directly into unit trust you can earn between 10-12%.
As I known, this new investment scheme started since 1st February 2008, all investor can invest but not more than 20% of their savings in EPF account 1. This kind of investment only allows investing once for every 3 months and minimum investment is RM1, 000.
How To Apply?
1) Photocopy of your NRIC (both side)
2) Fill up KWSP investment form with some personal details
3) Fill up mutual fund companies investment forms.
What Fund Can You Invest?
All funds that has approved by EPF:
i. Public Regular Savings Fund (PRSF)
ii. Public Index Fund (PIX)
iii. Public Islamic Equity Fund (PIEF)
iv. Public Islamic Balance Fund (PIBF)
v. Public Islamic Sector Select Fund (PISSF) - CLOSED
vi. Public Sector Select Fund (PSSF) - CLOSED
vii. Public Select Bond Fund (PSBF)
viii. Public Money Market Fund (PMMF)
ix. Public Islamic Money Market Fund (PIMMF)
x. Public Islamic Select Treasures Fund (PISTF) - NEW!!!
How Much You Can Invest In EPF Approved Unit Trust Fund?
Ever wonders how much you could withdraw from your EPF account 1 for investment? Here’s a simple calculator for EPF withdrawal. Click here to download. It’s in Excel format. Just put your age, and your Account 1 total balance, then you will get your figure.
Still do not understand? Lets take my example here:
eg: If you are age 26, then in your EPF account 1 should have total balance of RM16,000, then minus RM11,000(simpanan asas), and you get RM5,000, right? After that, RM5,000×20%=RM1,000(min investment for unit trust is 1k).
Why Invest In Public Mutual Fund?
EPF only provide you with a return of 4-5%, and what is our inflation rate? Based on my calculation, the actual inflation rate should be more than 4%. So, EPF just preserve your value of money against inflation, you gain nothing at the end of the day. Let say, last year you have your coffee at RM 1.00, this year you have it at RM 1.10, is 10% up!!! Look at your petrol cost, 5%, fool or not?
No need worry, just trust me!!! EPF investment into unit trust will yield positive results in long term.
May 31st, 2009 at 10:16 pm
ehm..still not have any experience with public mutual. But i will read more about it.
June 2nd, 2009 at 12:03 am
Can non Islam invest in Islamic Fund?
June 2nd, 2009 at 10:11 am
the public unit trust nv give me confidence cos the first time i bought it, i rugi 40%. bad timing ya!!
anyway, i’ve been thinking about this lately. withdrawing from epf to invest. Is it a good timing now?
June 2nd, 2009 at 9:20 pm
I need to check how much in my account already, hv to invest there lioa
June 3rd, 2009 at 11:20 am
currently i am looking for unit trust to do little investment. Can advice which one is better?
Also, what the preparation that i need?
June 3rd, 2009 at 12:15 pm
I agree with you, David. Now the Mutual fund agents even charge less initial fees if invest we invest in EPF because of KWSP policy. So, it’s worth to invest in mutual fund. Thanks for the info.
June 3rd, 2009 at 2:21 pm
to KitKat: yes..non-islam can invest in islamic fund
to Jys: for me, it’s a great time to invest now since all fund price starting bouce back recently..
June 3rd, 2009 at 9:38 pm
You reminded me to invest unit trust with EPF. Time to check how much money I can put it.
June 3rd, 2009 at 11:16 pm
To Tee Hean: just prepare your money!!haha..for me, if you go for PB series fund, then you can go for Public Asean Dividend Fund, if go for PM series,you can consider Public China Select Fund. You can refer my prev article for more details: http://imdavidlee.com/public-mutual-fund-still-no1-in-malaysia-unit-trust-industry/
June 6th, 2009 at 6:34 pm
Hi All,
It’s worth in invest Public Mutual through EPF scheme. Depend on which Funds you invest to. Bond might get 4-5&, Balance Funds 6~8%, Equity Funds 8~10%…..etc EPF investment just 4~5%. Of course, high return represent high risk. CRA will helps.
Good Luck ! ! ! Invest now and make your future bright..
June 6th, 2009 at 6:55 pm
Unit trust is one of the investment tools to help us in financial plan & reach financial freedom.
June 10th, 2009 at 2:26 pm
Unit trust less risk compare with the stock. u cant invest in so many shares with a minimum of RM1000 but with unit trust u can invest in few types of shares. This is the advantage of unit trust with a low entry cost and somemore u can sell it at anytime, not like the shares..
If you all have any question can chat with me at ym or email me to cedrickang_8@yahoo.com. I hope i can help to solve ur question.thanks.
June 12th, 2009 at 4:35 pm
are u agent? i would like to invest by drawing from kwsp.. can u contact me at this number 019-3884081.. i hope asap. thanx
June 15th, 2009 at 4:48 pm
ya..i m.i will contact u asap i could.thanks.hope i can help u solve ur problem.keep in touch.
June 19th, 2009 at 11:13 am
Hi Cedric,
I beg to differ. The risk is the same. It takes more time to sell a unit trust than share. Somemore, the fund is managed by a unit trust manager, which charges a small fee everytime u buy a unit of unit trust . Even if the market is bad, they will still persuade u to buy. If u dont buy, they wont earn. U need to take this charges into account when u count ur return of interest.
I think if u manage ur own portfolio, u have greater flexibility.
July 8th, 2009 at 12:11 pm
Hi Ong,
of course share market the return higher than unit trust and u can manage urself.but it wil take u time to monitor everyday.for the unit trust is for long term investment,suitable for the ppl who no time to monitor the share market and at the downtrend u wont kno when the market will up or keep dropping.same as unit trust..but the the fund invest in many kind of shares so some of them drop and some mayb increase.but the share if u buy one share the price keep dropping it straight away adjust to ur profit.unless very confident on tat shares.
If u buy the unit trust, sure the agent will get the commission.but at first they try to analysis to u if u not believe on them y u still wan to buy unit trust? not forcing right? in bad market the unit trust price will drop, but if u goin at the right time, it will shorten the time to get the profit. BTW, when u buy the unit trust u already lose the 5.5% of service charge for cash sales, for EPf one is 3%.so tat y ppl say unit trust not good.when buy already lose.but if for long term the price will up and down.when u set the target price then u sell it.still can earn.the shares also need the broker fee and other stamp duty etc.so u buy it u lose money oredi.same thing.
Thanks Ong to share with me ur opinion.Correct me if i m wrong. thanks.
August 4th, 2009 at 10:20 pm
Hi Cedric,
Can we withdraw our EPF every 3 months (assumed that we have sufficient amount in acc 1) to invest?
Considering to use the Dollar Cost Averaging approach to invest in UT wth my EPF money.
2 funds targeted, i.e. Public Regular Savings Fund (PRSF - Moderate), and Public Islamic Balance Fund (PIBF - Mod 2 Conservative). What do u think?
Thnx in adv.
August 24th, 2009 at 4:12 pm
HI yapkhs,
yes u can withdraw ur epf every 3months but in a year u wont be able withdraw 4times because the process time for ur application almost take 2weeks.so normally is 3months 2week only can withdraw the second time.
Ya, i will recommend you for the PRSF. If u think the price is abit high then u can survey another fund PIDF or PIEF.if got any question can email to me or add me in yahoo messenger.my email address i already write above. thanks.
September 1st, 2009 at 9:31 pm
Hi I am a Public Mutual agent. You can call my mobile 012-3051016 for more details.
September 4th, 2009 at 5:31 pm
Hi, the PBB branch manager told me I can only invest in PB series fund and for EPF can only go to PB Islamic Equity Fund…
September 6th, 2009 at 10:35 pm
hi..for PB series only provide 3types of fund tat u can use ur epf to invest. PB Islamic Equity fund, PB islamic bond fund, PB cash management fund only.Why not u invest in Public Mutual series more choice and depends on ur risk level. u can email me to cedrickang_8@yahoo.com. i hope i can help u.thanks.
September 11th, 2009 at 12:23 pm
Hi,
am a public mutual agent in Johor
for those who need further details
kindly get me at 012 770 9960
September 15th, 2009 at 2:50 pm
Hi
Please contact me as I am interested to invest in UT via my EPF.
Thanks,
Darren - 012 2199 557
September 24th, 2009 at 6:04 pm
Hi Everyone,
I am a public mutual agent based in Cheras/Kajang/Cyberjaya/Putrajaya
for those who needs further details kindly contact me @
012 664 2646 or email marranarumugam@hotmail.com
September 27th, 2009 at 12:06 am
hi, i m agent, base in klang valley. kindly contact me @ 0127051062 or can drop an message to my email cedrickang_8@yahoo.com
October 1st, 2009 at 10:02 am
hi, I m Full Time Public Mutual Consultant, base in Kepong/PJ. kindly contact me @ 0166463404 or can drop an message to my email khiatjune@hotmail.com or MSN me also can.<–khiatjune@hotmail.com
October 13th, 2009 at 1:58 pm
Cedric, are you a public mutual agent? If so, I would like to know more about the EFP scheme with PM, would appreciate if you could contact me via my email, its anita@nichej.com
Await your email.
October 14th, 2009 at 2:12 pm
Hi Everyone,
I am a public mutual agent based in Klang Valley/ Cheras/Kajang/Cyberjaya/Putrajaya
for those who needs further details kindly contact me @
012 664 2646 or email marranarumugam@hotmail.com
October 14th, 2009 at 4:10 pm
Salam…saya Mohd Roslim bin Bakar Perunding Unit Amanah Public Mutual Bhd, Sungai Petani.. Kepada sesiapa yang berminat untuk melabur dalam Public Mutual terutamanya mereka di sekitar Alor Setar, Sungai Petani, Sik, Baling dan kawasan-kawasan yang sama waktunya..sila hubungi saya di talian 019-4584219… InsyaAllah saya sedia menbantu anda..
October 19th, 2009 at 10:20 pm
assalamualaikum
for those who want to know about investment in Public Mutual with ur epf or cash money please contact me at this no 019-4807370. Saya boleh membantu anda di sekitar kawasan Perlis, Jitra, Alor Setar dan Sungai Petani. Maklumat terbaru untuk anda semua. Laburlah sekarang kerana harga unit rendah dan peluang mendapat pulangan menarik
October 20th, 2009 at 7:46 am
Hi anita, i had sent u the email.but not getting any reply from you..yes i am an agent from PM. here is my contact number 012-7051062. Call me Cedric. hope i can serve u with the best service.thanks.and for those who interested to kno more abt PM or want to invest in Public Mutual can kindly contact me with the above phone number or email me cedrickang_8@yahoo.com.
Thanks for your support.
October 21st, 2009 at 3:05 pm
is the money we invested in mutual funds guaranteed? meaning, we’ll never lose our money even worst thing happened.
October 21st, 2009 at 5:28 pm
Hi, guys. I am Chai Yu Loon here. wau, there are many Unit Trust Consultants leaving message here from different bases ya. I’m as well a Public Mutual Consultant based in Kuching and Sarawak regions. Anyone has doubt about Unit Trust Investment can contact me at 013-803 4618 or u can look into my basic website about my Unit Trust Group. Thanks. see ya.
October 21st, 2009 at 8:27 pm
Hi ian, may i kno ur email?i can explain more abt unit trust to u.Mind to tell me where u come from?
There is no guaranteed in the investment. Even u put ur money in FD, the interest u earn is fix but if calculate the inflation into it.mayb u only earn little or even u lose the money due to the inflation higher than the interest.thanks. hope i can explain to u more.kindly contact me via my email cedrickang_8@yahoo.com or my hp 012-7051062
October 27th, 2009 at 12:12 pm
u guys want 2 get screwed by the securities comm and p.m then go on advertise .dont u know u can lose your license and get fined by the s.c, u dumbo.s.also against company rules. u are beimg monitored
November 3rd, 2009 at 11:26 pm
which fund to invest for epf
and if for cash which fund to invest
November 4th, 2009 at 9:00 pm
forex gives better return, in a short period of time as well. i KNOW
November 5th, 2009 at 7:58 am
hi daniel can i have ur email address?so tat i can explain to u or u can call me.thanks
November 30th, 2009 at 10:53 pm
hi!im jue…also a unit trust consultant under public mutual..so if u hv any interest to invest or find out more details about unit trust, pls dont hesitate to contact me via my mobile no 012-3394189 or jz leave ur details here, i’ll contact u asap!thx:)
December 9th, 2009 at 7:54 pm
Hi, I’m Asri Public Mutual UTC.
I live in Telok P.Garang, anybody interest to invest pls contact me
at 013-3866380
tq.
December 22nd, 2009 at 5:44 am
Is the Public Sector Select Fund still closed ? When will it be opened ?