{"id":69664,"date":"2026-03-09T10:24:33","date_gmt":"2026-03-09T02:24:33","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=69664"},"modified":"2026-03-09T11:49:08","modified_gmt":"2026-03-09T03:49:08","slug":"epf-dividend-2025-rate-i-legasi-scheme","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/epf-dividend-2025-rate-i-legasi-scheme","title":{"rendered":"EPF Dividend 2025: 6.15% Rate Locked In. Total Payout Hits RM79.6 Billion"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The Employees Provident Fund (EPF) has announced a <\/span><a href=\"https:\/\/thesun.my\/business\/local-business\/epf-declares-6-15-dividend-for-2025\/\"><span style=\"font-weight: 400;\">6.15% dividend<\/span><\/a><span style=\"font-weight: 400;\"> for both conventional and Shariah savings for the financial year ended 31 December 2025, which is slightly lower than the 6.3% declared for 2024. The total payout is projected to reach around RM79.6 billion, benefiting millions of contributors nationwide.<\/span><\/p>\n<h3><b>Why The Dividend Was Lower<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">For many contributors, even a small drop in the dividend percentage raises questions: Is this bad news? The answer is more nuanced.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">According to EPF officials, the slight moderation in the dividend rate reflects <\/span><a href=\"https:\/\/thesun.my\/news\/malaysia-news\/equities-main-driver-of-2025-returns-ceo\/\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">broader economic and market conditions<\/span><\/a><span style=\"font-weight: 400;\">, rather than any immediate crisis in the fund itself. Total distributable income for 2025 actually increased to RM82.7 billion, up about 9.5% from RM75.5 billion in 2024, and EPF\u2019s total investment assets grew to RM1.41 trillion, a 12.8% rise.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, investment returns were <\/span><a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2026\/02\/28\/two-factors-led-to-lower-epf-dividends-this-year-says-ceo\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">softer in some areas<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The domestic stock market (measured by the Kuala Lumpur Composite Index) recorded modest growth in 2025 compared with a stronger performance the previous year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A stronger Malaysian ringgit also reduced the local-currency value of returns on foreign investments.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These factors combined to temper overall returns, resulting in the slight dip in the dividend percentage.<\/span><\/p>\n<h3><b>Is 6.15 % Still Good?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">While the rate is lower than last year, several analysts and contributors say it <\/span><a href=\"https:\/\/thesun.my\/business\/local-business\/epf-declares-6-15-dividend-for-2025\/\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">remains attractive<\/span><\/a><span style=\"font-weight: 400;\">, especially when seen in context:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EPF\u2019s dividends have fluctuated over the years but generally remained above 5 percent, helping retirement savings grow steadily.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Even at 6.15%, returns tend to outpace inflation over the long term, meaning members\u2019 purchasing power isn\u2019t eroded.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Because EPF dividends are credited yearly and compound over time, younger contributors especially may benefit significantly in the decades ahead.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For many contributors with smaller balances or those who withdraw funds periodically (e.g., for housing), the percentage doesn\u2019t always feel significant in day-to-day terms. But for long-term savers, consistent annual returns can add up substantially.<\/span><\/p>\n<h3><b>Voluntary Contributions And Member Confidence<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The announcement also comes against a backdrop of rising <\/span><a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2026\/03\/01\/surge-in-epf-voluntary-top-ups-shows-confidence-in-economic-reforms-says-finance-minister-ii\/210805\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">voluntary contributions<\/span><\/a><span style=\"font-weight: 400;\"> to the EPF. Data show voluntary deposits climbed to around RM19.2 billion in 2025, a sign that many Malaysians are actively choosing to boost their retirement savings beyond mandatory contributions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finance authorities say this trend reflects confidence in the stability and long-term outlook of the fund, even in a world of market volatility.<\/span><\/p>\n<h3><b>Introducing i-Legasi: Sharing Savings With the Next Generation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">One of the biggest headlines from EPF\u2019s recent briefing was the <\/span><a href=\"https:\/\/thesun.my\/news\/malaysia-news\/epfs-i-legasi-facility-to-enable-intergenerational-savings-transfers\/\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">new i-Legasi scheme<\/span><\/a><span style=\"font-weight: 400;\">. Under this initiative, contributors aged 55 and above who have reached their basic savings threshold will be able to transfer part of their EPF savings to their children\u2019s EPF accounts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Traditionally, EPF savings are earmarked for retirement and can only be withdrawn under strict conditions after age 55. With i-Legasi, the fund acknowledges a growing desire among older members to provide intergenerational financial support while still planning for their own retirement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, experts urge caution. While the ability to give savings to children can be valuable, especially in helping younger generations build a financial foundation or a head start on retirement planning, it should not come at the expense of one\u2019s own future financial security. Members are encouraged to carefully assess their retirement needs before committing significant funds to i-Legasi transfers.<\/span><\/p>\n<h3><b>What This Means for You<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Here\u2019s a quick breakdown for the average contributor:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The 6.15% dividend is slightly lower than last year, but still competitive and above inflation, meaning your money continues growing in real terms.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The dividend reflects market conditions, not a failing fund; EPF remains large and resilient.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you\u2019re young or early in your career, compounding can make this rate especially rewarding over time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rising voluntary contributions suggest many Malaysians are thinking more strategically about retirement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The i-Legasi scheme offers a new way to help your children financially, but careful planning is essential to avoid jeopardising your own retirement readiness.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Overall, the 2025 EPF dividend and new policy measures underscore a broader narrative: the fund continues to provide stable, long-term growth for members, while evolving to reflect changing financial and family priorities.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The EPF has declared a 6.15% dividend for 2025, slightly lower than last year, while unveiling the new i-Legasi scheme. Here\u2019s what the rate and new policy mean for everyday contributors.<\/p>\n","protected":false},"author":58,"featured_media":42360,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[218,216,240],"tags":[1486,340,3236,3235,3232,3233,530,3234,982,649,650],"class_list":["post-69664","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management","category-news-updates","category-retirement-planning","tag-dividend","tag-epf","tag-epf-2025-payout","tag-epf-6-15-dividend","tag-epf-dividend-2025","tag-epf-dividend-rate-2025","tag-kwsp","tag-kwsp-dividend-2025","tag-news","tag-retirement","tag-retirement-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>EPF Declares 6.15% Dividend For 2025, Launches i-Legasi Scheme For Families<\/title>\n<meta name=\"description\" content=\"EPF announces a 6.15% dividend for 2025 and introduces i-Legasi, allowing parents to transfer savings to children. 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