EPF gives consistent 5-6% annually. But your Account 1 excess can do more — especially when markets drop.
52 EPF-approved funds on RHB platform → Removed income/bond/money market funds → Removed funds that historically can't beat EPF → Shortlisted only funds with 50%+ backtest win rate
You don't just invest — you invest with a built-in safety buffer.
EPF invests in equities, bonds, property. If you buy similar funds through i-Invest at a 15-20% discount (because market dropped), and the fund only recovers to match EPF's 6% return — you still win because you bought cheap.
The math: EPF buffer (+1.5%) + Buy discount (+15%) = Net advantage of ~16.5% over leaving money in EPF
Every fund below has been backtested against actual EPF dividends. The charts show exactly where each fund peaked, where it is now, and how much it has dropped.
Select funds and run the calculator above to see your personalized summary.
Source: NAV prices from The Star via intelligence.db. EPF dividend rates from official annual reports. Backtest: RM1,000/month normalized DCA. Entry thresholds and exit targets auto-calculated per fund. Past performance is not indicative of future results.