Employees Provident Fund (EPF) allows qualified members to make their own investment using a portion of their EPF savings for potentially higher returns. However, bear in mind that the risks for such investments are higher. Members are to bear these risks and EPF is not going to compensate if members suffer losses from the investment made.

Before you make any decision in investing your EPF money, please remember that EPF is oblige to give 2.5% return per annum. Make a comparison on the fund choosen past performance against EPF dividend prior to investing. View “Historical EPF Dividend Rates” for comparison purpose.

If you already made up you mind to invest then you have to follow the following guidelines,

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Starting from 3rd January 2010, Employees Provident Fund (EPF) will launch 1Malaysia Retirement Saving Scheme to help self-employed financially during their retirement age. This scheme was announced last October by the Prime Minister during the tabling of the 2010 Budget.

This Retirement Saving Scheme is designed to provide individuals without a fixed monthly income with a degree of financial security in their old age. The retirement scheme will be open to self-employed individuals such as farmers, fishermen and taxi drivers to petty traders and business owners.

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