The EPF Saving And Investments

Grow your EPF and EPF investment savings with the eligibility of 54 years old and below, at least RM55,000 in EPF Account 1 and Minimum eligible amount for investment is 20% of savings in EPF Account 1 (exceeding RM50,000).

Investment Products

For those who are new to investing and those who are planning for retirement, there is a suite of investment products for everyone.

  1. Unit trusts - it is a pool of money managed collectively by professional fund managers. You can choose the right unit trust fund to meet your goals with over 100 unit trusts available and whatever your desired portfolio mix or exposure. Your money will be pooled with that of other investors and invested according to the unit trust’s objectives by buying units into the trust. Like for example, if you invest in a China fund, the fund manager will invest your money by tapping into investment opportunities within China. The benefits of this are Professional management, Tap into inaccessible markets, Diversification, and Economies of scale.
  2. Treasury - is flexible access to multiple asset classes that are linked to the performance of underlying benchmarks such as interest rate, foreign exchange or equity and may or may not be 100% principal-protected
  3. Dual currency investments - Earn potentially higher interest from foreign currencies in this currency-linked investment and choose from nine different currencies, your preferred strike price and duration of the investment. You will receive the principal plus interest earned in either the base or alternate currency, at the pre-agreed strike price on the maturity date. With returns, you will enjoy potentially higher interest on your investment, obtain the alternative currency you need at a lower exchange rate relative to the exchange rate on the day you invest, and choose from a wide range of currencies to suit your needs. But the risk of this is foreign exchange risks associated with politics, economics and current affairs and the risk of losing part of your principal if alternative currency returned to you at maturity continues to depreciate and investment is terminated before maturity.

Enquiry and Feedback

In line with the Personal Data Protection Act, OCBC is committed to protecting the personal data of our customers. For you to know and understand the purposes for which we collect, use and disclose your Personal Data, please take a moment to read our Privacy Policy. To safeguard your interest in personal banking, please call at +603-8317 5000 for requests related to your accounts from 8.00 am to 10.00 pm daily. And for business banking (for corporate accounts) please contact the Business Banking Hotline at 1300 88 7000 from Monday to Friday,9.00am to 6.00pm.

Retails Bonds And Structured Investments

In retail bonds, the company offers or distribute bonds denominated in MYR or in foreign currency if you want fixed income investment. In structured investments, you can gain potential returns that can be customized to suit your risk appetite. It can be a principal guaranteed or not with various underlying asset classes.
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