Employees Provident Fund (EPF) Malaysia

Information about Employees Provident Fund (EPF) Malaysia

The Employees Provident Fund (EPF) Malaysia is one of the country’s largest retirement savings institutions, designed to help private-sector employees and self-employed individuals secure their financial future. Established in 1951, the EPF operates on a mandatory contribution system, where both employees and employers contribute a percentage of the employee’s salary to the fund. These contributions are then invested in various asset classes to generate stable returns.

Members can access their savings through structured withdrawal schemes, including those for retirement, housing, healthcare, and education. EPF also provides Shariah-compliant investment options, catering to diverse financial preferences. In addition to its core function as a pension fund, EPF plays a significant role in Malaysia’s economic development by investing in infrastructure, property, and corporate sectors.

With a strong commitment to financial sustainability and member well-being, the EPF continuously enhances its digital services and investment strategies, ensuring Malaysians have a secure and well-managed retirement savings plan.