EPF announces 6.15pc dividend for both conventional, Syariah savings for 2025

SHAH ALAM, Feb 28 — The Employees Provident Fund (EPF) today announced a dividend rate of 6.15 per cent for both the Simpanan Konvensional (conventional savings) and for Simpanan Shariah (Syariah savings) for the year 2025.

EPF’s total payout of the dividends for 2025 is RM79.6 billion, namely RM67.1 billion for Simpanan Konvensional and RM 12.5 billion for Simpanan Shariah.

EPF CEO Ahmad Zulqarnain Onn made this announcement today here at Menara KWSP.

The crediting of EPF dividends will be completed tomorrow (March 1), and EPF members can check their accounts through i-Akaun or obtain statements from EPF’s Self-Service Terminals nationwide.

The EPF dividend rate of 6.15 per cent for 2025 is slightly lower than the 6.3 per cent dividend rate for 2024 for both Simpanan Konvensional and Simpanan Shariah.

In a media briefing on the EPF dividend rate for 2025, Zulqarnain noted that EPF had a lower return on its investments for equities, based on two main reasons: the performance of domestic equities, and also the strengthening ringgit against the US dollar which impact the value in ringgit of EPF’s income from US dollar assets.

Most of EPF’s total investment income in 2025 came from equities.

In 2025, EPF had a total investment income of RM79.15 billion, with 62 per cent from equities (RM49.24 billion), 33 per cent from fixed income (RM26.27 billion), four per cent from private market such as private equity, real estate, infrastructure (RM3.01 billion), and one per cent from money markets (RM0.63 billion).

Out of the total RM79.2 billion investment income for 2025, investment income for Simpanan Konvensional and Simpanan Shariah were respectively at RM66.2 billion and RM13 billion.

Zulqarnain was asked if the EPF dividend rates will continue to be the same for Simpanan Konvensional and Simpanan Shariah, since both saving categories shared the same rates for 2024 and 2025.

But Zulqarnain said this was just a coincidence for 2024 and 2025, and that EPF members under Simpanan Konvensional and EPF members under Simpanan Shariah may not necessarily have the same dividend rates every year.

“But not necessarily every single year the dividend rate will be the same. It is by coincidence that the last two years were the same.

“Not necessarily as well that Shariah is lower than Konvensional, as it has been in the past. There could be a year in the future where Shariah is slightly higher,” he said as an example.

But he said the most important point is that EPF has built its investment portfolio for both Simpanan Konvensional and Simpanan Shariah with a “long-term” view of delivering a similar rate of return.

“EPF has been quite consistent and successful in delivering a long-term rate of compounding return and it is fairly stable,” he said.

EPF manages separate investment portfolios for both Simpanan Konvensional and Simpanan Shariah, as the available assets for investment are different for both.

EPF’s total investment assets for 2025 was RM1,409 billion, with RM1,184 billion under Simpanan Konvensional and RM224 billion under Simpanan Shariah.

For both Simpanan Konvensional and Simpanan Shariah, 62 per cent of their respective assets were domestic, while 38 per cent were global assets.