What’s the possibility for EPF to pay higher dividend than last year?

What’s the possibility for EPF to pay higher dividend than last year?

EPF paid 6.3 percent as dividend last year which was a wow!

Do take a look at the history for EPF dividend performance over the past 10 years. I would say typically the number is below 6 percent. However, even at 5.5 percent, this is already more than 50 percent or more versus Fixed Deposit rates. In 2024, the declared dividend was 6.3 percent. Looking at the performance for the first 9 months of 2025 as well as the current positive momentum, it seems that the 6.3 percent which was spectacular last year will be eclipsed this year. One report says that it could be as high as 6.5 percent! Read the article in The Malaysian Reserve below. (after the image)

Article in themalaysianreserve.com “He added that investment income from the 1Q to 3Q showed clear gains driven by a recovery in global equity markets and positive returns from foreign assets.

“Investment income so far shows stable growth, and there is a possibility the dividend will be slightly above last year’s level if market momentum stays positive,” he said.

Mohamad Idham said global equities remain the largest contributor to EPF’s gains and that a diversified portfolio between domestic and foreign assets supported returns.

Cautious portfolio management during the economic recovery phase allowed the fund to capture opportunities while limiting downside risks.

Growth in total contributions and active member participation through voluntary schemes strengthen EPF’s financial position and boost its ability to pay a more competitive dividend..” Article in themalaysianreserve.com

When will my EPF money double?

When we are 50 years old and we have maybe RM390,000 in the EPF, do we know that this amount will double by the time we reach 60 years old? Haha. Using rule of 72 (means we calculate when our money will double) and an average return of 5.5 percent per year, it means our RM390,000 would become double in 13 years. Conservatively, adding in contributions from employee and employer, it will double when we retire at 60 years old. RM780,000 is a very good amount to have and it will take just 10 years if the EPF gives an average return of 5.5 percent. This is why even when I am 60, my personal thought is just to withdraw some amount to go for holidays and leave the rest for EPF to keep giving me returns.

What happens to withdrawals at 55, 60 or 65?

Do you want to know more about what happens when you withdraw your EPF savings at 55, 60 and 65? Here’s one article: kopiandproperty.com “Despite all the news, as at today, November 2025, it’s still full withdrawal at 55 years old. You can keep your job, keep contributing but yes you can withdraw in full when you reach 55 years old. Wah… for me that’s just another 7 years to go. Haha. Looking forward? Well, take a look at the below for some ideas of what you could decide to do. Everyone has own prerogative and perspective too. Choice is yours to make..”

My wish is…

EPF is bounded by law to give us a minimum of 2.5 percent return per year. (Source: kwsp.gov.my) Thus, it has to put a portion of it’s money into fixed instruments giving us that minimum 2.5 percent per year. Thus far, EPF has always been giving way above this number. My wish is that on average, EPF will continue to give me a 5.5 percent return every year for as long as I continue to keep my savings there.

At 60, with no more contributions, my returns will just depend on the EPF dividend and it will double when I am 73 years old. If the average return is just 5.5 percent. What about you? What’s your wish, realistically? Work harder, earn higher so that our contribution together with our employer’s contribution will give us a good amount when we retire.

Happy reading!Property News Malaysia? Sign up for daily investment news updates (FREE since Nov 2013 and FOREVER). 

Alternatively, Follow me on Telegram here.

Please LIKE kopiandproperty.com FB page to get daily updates about the property market beyond kopiandproperty.com articles.

Else, follow me on Twitter here.