The Employees Provident Fund is set to announce its dividend for the 2025 financial year at a media briefing on 28 February.

The session will be chaired by EPF chief executive officer Ahmad Zulqarnain Onn.

Dividend Closely Watched By More Than 16 Million Members

The annual dividend declaration is closely followed by EPF’s more than 16 million members, as it reflects how Malaysia’s largest retirement savings fund has performed over the past year.

The dividend rate indicates the returns generated from EPF’s diversified portfolio, which spans equities, fixed income, real estate, and infrastructure investments in Malaysia and abroad.

Analysts Expect Dividend Between 6.3 And 6.5 Per Cent

Market analysts have projected that the dividend for 2025 could fall between 6.3 per cent and 6.5 per cent.

The estimates are based on EPF’s investment performance during the first nine months of 2025, which recorded an 11 per cent increase in gross investment income compared with the previous year.

Analysts have attributed this performance to EPF’s diversified asset allocation and conservative investment strategy, which aims to balance growth with capital preservation.

The final dividend rate will be confirmed at the official announcement on 28 February.

Last Year’s Payout Totalled RM73.24 Billion

For the financial year ended 31 December 2024, EPF declared a dividend of 6.30% for both conventional and Shariah savings accounts.

The total payout amounted to RM73.24 billion, comprising RM63.05 billion for conventional savings and RM10.19 billion for Shariah savings. The distribution benefited more than 16 million contributors.

Dividend Track Record Remains Resilient

In recent years, EPF’s dividend rates have remained resilient despite periods of global market volatility. This has been supported by steady investment income and prudent risk management.

EPF’s long term strategy focuses on delivering sustainable returns through portfolio diversification and responsible investing, while maintaining sufficient liquidity to meet members’ withdrawal needs.

What The Dividend Means For Your Retirement Savings

EPF dividends are automatically credited into members’ accounts and compounded annually. Each year’s declared rate therefore directly affects long term retirement growth.

Even small differences in the dividend rate can translate into meaningful changes in total savings over time, particularly for contributors with larger balances or longer contribution periods.

Once announced, the 2025 dividend will allow members to assess how their savings have grown compared with previous years and how the fund has performed in varying market conditions.

As EPF savings are primarily intended for retirement and are subject to existing withdrawal rules, the declared dividend plays a central role in preserving purchasing power and supporting long term financial security for millions of Malaysians.

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