Service · One
EPF, Akaun Emas and KWAP — found, reconciled and put in your bank account.
Most Malaysians retire with more EPF history than they realise. Employers from twenty years ago, short stints overseas, civil-service postings, freelance contributions you set up once and forgot. We trace every line in a single, calm sweep.
What we look for
Six things our EPF sweep usually surfaces
None of these are tricks. They are the predictable consequence of a forty-year career meeting a piece of software that only remembers the last login.
- Dormant i-Akaun balances — contributions from employers whose payroll codes have since changed, locked behind logins last used in 2008.
- Akaun Emas dividends — the 2.5% statutory dividend still compounding on monies you postponed withdrawing at 55.
- KWAP entitlements — for clients who served in the civil service, the public-sector pension fund maintains separate records that EPF does not display.
- Pre-1991 records — manually re-keyed paper-era contributions that occasionally land in the wrong PERKESO bucket.
- Overseas-posting contributions — multinational employers that paid into both EPF and a host-country scheme; we identify and consolidate.
- Withdrawal-on-record reconciliations — refunds owed when an Akaun 2 withdrawal for housing, medical or education was wrongly capped.
How tracing works
One quiet meeting, two pieces of paper, the rest is our job.
Once you have decided to engage us, we ask only for a copy of your IC (both sides) and your signed agency-consent form. We do not need your i-Akaun password, your TAC number, or any banking detail beyond the account where the funds should land.
Days 1–3 · Verification & consent
Your advisor walks you through a one-page consent that names exactly which agencies we may approach on your behalf, and what they may release. You keep the original; the firm holds a counter-signed copy.
Days 4–10 · Trace
We open a fresh i-Akaun session with you present (in person or by WhatsApp video), then query KWAP and PERKESO records in parallel. We never store login credentials between sessions.
Days 11–21 · Reconciliation
Each employer record is matched against your hand-written or self-reported employment history. Discrepancies are queried directly with EPF's senior-citizen counter at Tower Damansara.
Days 22–30 · Funds in your account
Withdrawals are paid by EPF straight into the bank account you nominate. We then sit with you to plan the Akaun Emas residue — usually left to keep compounding.
A flat RM 480 once funds are recovered, regardless of the amount. If nothing is found, you owe nothing.
What clients tend to ask first
No. The login session is opened with you in front of the screen — either in our KLCC suite or via WhatsApp video to your own device. We watch and guide, but we never type your password and we never store it.
Yes. With a copy of the death certificate, the grant of probate (or Akta 388 declaration for small estates), and your IC, we open a beneficiary trace. Many widows discover Akaun Emas dividends that have continued to accrue since the date of death.
Not unduly. We focus on what EPF holds. If the host-country scheme has parallel funds, we will identify the correct counterpart and refer you to a specialist for the cross-border claim — most often Singapore CPF.
By interbank transfer to our Maybank corporate account, after funds have landed in yours. We do not accept cash, e-wallet payments, or invoices payable to individual advisors.
Shall we open the trace together?
The discovery call is complimentary and takes about forty-five minutes. We will tell you, honestly, whether tracing is worth your time.
Book the discovery call