KUALA LUMPUR – The Employees Provident Fund (EPF) has announced a 6.15% dividend for the 2025 financial year, for both conventional and shariah savings.
EPF Chief Executive Officer Ahmad Zulqarnain Onn said the total income distribution is RM79.6 billion.
Of the total amount, RM67.1 billion was distributed to conventional savings, while RM12.5 billion was allocated to shariah savings, he said at the EPF Financial Performance Briefing at Menara EPF, Kwasa Damansara, today.
The rate is slightly lower compared to those announced for the financial year 2024.
For 2024, the EPF announced a dividend rate of 6.3% for both conventional and shariah savings, with a total distribution of RM73.24 billion.
EPF had a recorded total distributable income of RM82.7 billion for the year ended Dec 31, 2025, up 9.5% from RM75.5 billion in 2024.
Investment assets grew to RM1.41 trillion, an increase of 12.8% from RM1.25 trillion previously, driven by portfolio income and net contributions of RM66.5 billion.
“Equities remained the primary contributor in 2025, generating RM50.7 billion, or 64% of total investment income.
“This surpassed RM49.9 billion in 2024, while return of investment (ROI) moderated to 7.9% amid global market volatility and softer domestic market conditions. Private equity investments, which represent around 8% of the equity investments, recorded an ROI of 10.5%,” he said.
As for fixed income instruments, which comprised predominantly Malaysian Government Securities, he said they contributed RM26.3 billion or 33% of total investment income with an ROI of 4.3%.
The real estate and infrastructure segment delivered RM1.6 billion in income with an ROI of 4.8% on a constant currency basis, while money market instruments contributed RM600 million with an ROI of 1.6%.
“As most of these investments are denominated in non-ringgit currencies, performance was affected by foreign exchange translation as the ringgit strengthened against the US dollar,” he noted.
As for employees’ contributions, Ahmad Zulqarnain said voluntary contributions had continued to gain momentum, rising to RM19.2 billion last year with the i-Saraan programme being the key driver
“The number of Malaysian formal sector members contributing above statutory rates through i-Topup also increased 26% to 229,901.
“Overall contributions received grew 12.3%to RM121.5 billion, supported by higher membership, wage growth and sustained confidence in EPF,” he said. – February 28, 2026