Kuala Lumpur, 4 February 2026 – Malaysia’s Employees Provident Fund (EPF), the country’s largest retirement savings institution, is widely expected to declare a dividend distribution for the 2025 financial year in the range of about 5.5 % to 6.3 %, signalling another solid return for members’ savings.
Market expectations ahead of the official announcement, typically scheduled in mid-late February to early March, centre on a dividend rate that may match or slightly trail the 6.30 % EPF dividend paid for 2024, which delivered total payouts exceeding RM73 billion.
Analysts and retirement savings watchers believe the forecast range reflects generally resilient investment returns from global equities and other asset classes over the 2025 financial year, balanced against the effects of wider market volatility. With the EPF’s total investment assets exceeding RM1.3 trillion and diversified holdings across local and international markets, a dividend of around 5.8 % to 6.3 % has emerged as the consensus estimate among observers.
The dividend percentage will apply to both Conventional and Shariah savings, though final rates for each category are set independently by the EPF Board upon conclusion of the formal review of annual results and income distributions. The declaration, once confirmed, will be credited to members’ EPF accounts and will form part of their retirement savings returns for the year ended 31 December 2025.
EPF’s dividend announcements are closely watched by millions of contributors nationwide, as they directly impact long-term retirement planning and household financial outlooks. A strong dividend rate supports members’ confidence in the EPF’s investment strategy and long-term sustainability.
