The EPF’s 6.15% dividend for 2025 demonstrates robust fund performance and government commitment to secure retirement savings, say economic experts.
KUALA LUMPUR: The 6.15% dividend declared by the Employees Provident Fund for 2025 reflects its sustained performance in a challenging global economy.
Experts say the rate underscores the government’s commitment to a secure national retirement system through prudent, long-term fund management.
Senior lecturer Dr Wye Chung Khain said the dividend met market expectations and signals strong economic fundamentals.
“The economy is recording steady growth, low unemployment and rising foreign direct investment,” he told Bernama.
He added that this creates a strong investment foundation to attract high-quality foreign investors, particularly in digital technology and artificial intelligence.
Government policies on skills development and active ageing further bolster long-term economic resilience, according to Wye.
Associate Professor Dr Md Fauzi Ahmad noted that while contributors may hope for higher rates, fund performance depends on capital markets and global factors.
He said the 6.15% rate, though slightly down from 6.30% in 2024, still shows resilience amid global uncertainties.
These include geopolitical tensions in the Middle East and the ongoing Ukraine-Russia conflict.
A stronger ringgit also affects the value of foreign investment returns when converted into the local currency, he explained.
The EPF declared the dividend for both conventional and syariah savings accounts for the financial year ended December 31, 2025.
Total distribution amounted to RM79.6 billion from a distributable income of RM82.7 billion, a 9.5% increase from 2024.
EPF membership also rose to 18.1 million contributors.
