{"id":293831,"date":"2026-02-16T09:14:08","date_gmt":"2026-02-16T09:14:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/il\/293831\/"},"modified":"2026-02-16T09:14:08","modified_gmt":"2026-02-16T09:14:08","slug":"epf-dividend-seen-at-6-3-to-6-5-for-2025-economist","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/il\/293831\/","title":{"rendered":"EPF dividend seen at 6.3% to 6.5% for 2025 – economist"},"content":{"rendered":"

KUALA LUMPUR: The Employees Provident Fund (EPF) is expected to deliver a dividend rate of between 6.3 per cent and 6.5 per cent for 2025,\u00a0said\u00a0Bank Muamalat Malaysia Bhd chief economist Dr Mohd Afzanizam Abdul Rashid.<\/p>\n

For the year 2024, the EPF declared a dividend rate of 6.3 per cent for both its conventional and Shariah savings accounts.<\/p>\n

Mohd Afzanizam said based on the EPF\u2019s nine-month 2025 performance, which recorded an 11 per cent increase in gross investment income, the retirement fund remains on track to post a respectable dividend payout for the year.<\/p>\n

“The EPF\u2019s conservative and responsible investment selection criteria have enabled it to optimise its risk-return trade-off.\u00a0<\/p>\n

“Its exposure to global markets, totalling about 38 per cent, as well as its greater allocation to fixed income assets, provides a well-balanced asset mix and geographical diversification, and\u00a0this helps to minimise portfolio risk while maximising investment returns,\u201d\u00a0he told Bernama.<\/p>\n

Mohd Afzanizam said that as of the third quarter of 2025, equities and fixed income accounted for 46 per cent and 45 per cent of the EPF\u2019s total assets, respectively, followed by real estate and infrastructure at seven per cent, and money market instruments at two per cent.<\/p>\n

“Each asset class serves a distinct purpose within the portfolio.\u00a0Equities are primarily aimed at capital appreciation, while fixed income instruments provide capital preservation, and money market instruments support liquidity management,\u201d\u00a0he said.<\/p>\n

Mohd Afzanizam noted that equities usually carry a higher risk premium, while fixed income and money market instruments present comparatively lower risk. This allows the EPF to optimise its portfolio for better returns while managing risk effectively.<\/p>\n

Meanwhile, Universiti Teknologi MARA,\u00a0Faculty of Business and Management\u00a0senior lecturer Dr Juliana Mohamed Abdul Kadir said the EPF\u2019s strategy of diversifying its asset classes,\u00a0along with its investments both domestically and internationally, has greatly helped in achieving higher dividend rates.<\/p>\n

“In addition, the equity market has continued to strengthen, as seen when EPF increased its shareholding in IJM Corporation Bhd<\/a><\/a> to 20.4 per cent, making it the largest shareholder in the construction company.<\/p>\n

“The strengthening of the ringgit against other currencies has also played an important role in boosting the country\u2019s investments,\u201d she said.<\/p>\n

Juliana\u00a0highlighted that factors such as changes in global interest rates, currency stability, and geopolitical uncertainties, including adjustments to the United States-imposed tariff rates and trade policies,\u00a0could affect returns and market sentiment.<\/p>\n

She said that the rapid growth of the self-employed segment, which now exceeds three million individuals, in line with structural changes in the labour market such as the rise of gig workers, has been an important factor behind the increase in voluntary contributions.<\/p>\n

“I foresee dividends possibly moving within the range of 5.5 to 6.5 per cent in the coming years, with fluctuations depending on global market performance and the efficiency of EPF\u2019s own investment strategy,\u201d she added. – Bernama<\/p>\n","protected":false},"excerpt":{"rendered":"KUALA LUMPUR: The Employees Provident Fund (EPF) is expected to deliver a dividend rate of between 6.3 per…\n","protected":false},"author":2,"featured_media":293832,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[114,28027,184,28690,268,85,46,149147,149146,266,267],"class_list":{"0":"post-293831","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-dividend","10":"tag-economy","11":"tag-epf","12":"tag-finance","13":"tag-il","14":"tag-israel","15":"tag-juliana-mohamed-abdul-kadir","16":"tag-mohd-afzanizam-abdul-rashid","17":"tag-personal-finance","18":"tag-personalfinance"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts\/293831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/comments?post=293831"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts\/293831\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/media\/293832"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/media?parent=293831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/categories?post=293831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/tags?post=293831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}