THE Employees Provident Fund (EPF) has declared a dividend rate of 6.15 per cent for both its Conventional and Shariah savings accounts for the financial year ending 31 December 2025, marking a slight decline from the 6.3 per cent rate recorded in 2024.
EPF Chief Executive Officer Ahmad Zulqarnain Onn said the total distribution for the year amounted to RM79.6 billion, with RM67.1 billion allocated to Conventional savings and RM12.5 billion for Shariah-compliant accounts.
“The overall income distribution for 2025 is RM79.6 billion,” he stated during the KWSP Financial Performance Briefing at KWSP Tower, Kwasa Damansara.
Despite global economic uncertainty, the EPF reported that total distributable income rose to RM82.7 billion, an increase of 9.5 per cent from RM75.5 billion in 2024. Investment assets expanded to RM1,409 billion, up 12.8 per cent from RM1,250 billion, driven by portfolio income and net contributions of RM66.5 billion.
EPF chairman Tan Sri Mohd Zuki Ali said, “We are pleased the EPF delivered a commendable performance in 2025 despite a volatile year marked by unpredictable trade policies.
“Resilient equity markets were the main driver of EPF's income, supported by stable returns from fixed income and the well-diversified nature of the portfolio. These results reflect our long-term approach to safeguarding members' savings while delivering sustainable returns.”
The announcement comes as Malaysia’s economy expanded by 5.2 per cent in 2025, supported by steady domestic demand, resilient exports, fiscal and structural reforms, and strategic national initiatives.
Bank Negara Malaysia’s policy rate adjustment to 2.75 per cent also bolstered economic growth and investor confidence.
Mohd Zuki emphasised that the fund’s Strategic Asset Allocation enabled EPF to navigate short-term market volatility, particularly during the second quarter following announcements of reciprocal import tariffs by the United States.
“While market cycles may bring short-term volatility, disciplined risk management with a long-term investment strategy remains key to sustaining resilience and delivering consistent returns for members,” he added.
Historical data shows that EPF dividends for Conventional accounts over the past decade have ranged from 5.2 per cent to 6.9 per cent, while Syariah savings have recorded rates between 4.75 per cent and 6.4 per cent, highlighting the fund’s efforts to maintain steady, sustainable returns for contributors despite economic and market fluctuations. - February 28, 2026
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