Q : How much can you withdraw from EPF to PMART account?
A : You may withdraw up to a maximum of 30% of the amount in excess of Basic Saving in Account 1 (Retirement Account) with EPF.

Q : How much is required for my Basic Saving in Account 1?
A : Starting January 2014, EPF has revised the Basic Saving as per below, The Basic Saving varies according to age

AGE (YEAR)	BASIC SAVINGS (RM)	AGE (YEAR)	BASIC SAVINGS (RM)
18	1,000.00	37	60,000.00
19	3,000.00	38	66,000.00
20	5,000.00	39	72,000.00
21	6,000.00	40	78,000.00
22	8,000.00	41	85,000.00
23	10,000.00	42	92,000.00
24	12,000.00	43	100,000.00
25	14,000.00	44	108,000.00
26	17,000.00	45	116,000.00
27	20,000.00	46	125,000.00
28	23,000.00	47	134,000.00
29	26,000.00	48	144,000.00
30	29,000.00	49	154,000.00
31	33,000.00	50	165,000.00
32	37,000.00	51	176,000.00
33	41,000.00	52	188,000.00
34	45,000.00	53	201,000.00
35	50,000.00	54	214,000.00
36	55,000.00	55	228,800.00

Q : How often can you withdraw funds from your EPF savings?
A : You may withdraw funds every three months as long as the balance in Account 1 exceeds your Basic Saving requirement. For this purpose, the three months interval is calculated based on the warrant date given by EPF.

AGE (YEARS)	SAVINGS IN A/C 1 (RM)	BASIC SAVINGS (RM)	CALCULATION	STATUS
30	21,000	29,000	-	Not qualified Savings in Account 1 < Basic Savings
33	70,000	41,000	(70,000 - 41,000) x 30% = RM 8,700	Not qualified Investment amount < RM 10,000
35	100,000	50,000	(100,000 - 50,000) x 30% = RM 15,000	Qualified Investment amount RM 10,400

Q : Can you terminate the services of another FMI and invest through Phillip Capital Management Sdn Bhd?
A : Yes. You have to fill in Form KWSP F (iii) AHL to request your FMI to return the funds to EPF. Three months after your last withdrawal (calculated based on your last warrant date), you can fill in Form KWSP 9N (AHL) to invest through PCM.

Q : What are the terms of investment at Phillip Capital Management Sdn Bhd?
A : You are required to invest your funds through PCM for at least a year, after which you may terminate our services with one month prior written notice.

The minimum investment with PCM for the PMART account is RM 30,000. However, you may start the first investment with a minimum of RM 10,000 and build up with subsequent investment over a period of 1 year.

Q : What steps do you need to take to withdraw funds from your EPF savings to invest with PCM?
A :

1. You must obtain Form KWSP 9N (AHL) and your account statement from EPF.
   To obtain these, you can :
   • personally go to your nearest EPF Office or
   • write in to EPF
   • visit www.kwsp.gov.my for online statement
2. Fill in Form KWSP 9N (AHL), indicate the maount you wish to withdraw and submit it with a photocopy of your Identity Card to PCM.

We will submit the forms to EPF for further processing.