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Do you know that..
"With effect from 15 November 2007, EPF members are allowed to withdraw money from EPF account 1 and invest in Local funds." By Public Mutual Bhd

Why this little action is important?
EPF allows if and only if your Account #1 has more than the Basic Savings (BS, see table below), in other words, grant you the rights to invest these additional surplus funds with Public Mutual Bhd solely at your decision/wish. The investment made under this scheme has to flow back to your EPF account eventually. Each of the withdrawal is limited to 20% of investable fund and not more than 4 times a year, eligible age of 18 - 55. Do nothing solution where EPF gives you 4-6% dividend annually.

Why choose Public Mutual Bhd?
It has approximately 40% of year-up-to-date market share in unit trust industry. Some of the old funds launched in the early 80s' already won quite a number of the awards and the return is as high as 400%. You will note the difference upon your retirement indefinitely. An averagely achievable dividend in Public Mutual Funds is 8-12% per annum which requires your little action and invest regularly.

The table below shows the required Basic Savings (BS) in Account #1: E.g. if you are 26 year-old and BS is 11,000. Sorry, you are not allow to channel this fund. You got to wait till BS > 11,000 and min to channel is 1,000. Example: Jacob is 26 year-old and his BS is 16,000. Therefore, the first withdrawal is (16k - 11k) * 20% = 1,000. He can then invest the one thousand in Public Mutual Funds.