If EPF truly pays out 97% to 99% of what it earns, then all is fair. whatever the annual dividend turns out to be, we just accept it. Hard (edit: fix spelling) to criticise if that’s the model.
What I find odd is that some folks are completely fine with EPF keeping like 10% reserve, yet if a stable NAV money market fund (mmf that is always priced as 1 dollar) do the the same 10% reserve of its profits for future growth, these same people would raise hell.

As of mid-October, signals are looking good: S&P 500 is up like 8%, the Nasdaq Composite like 17%. Our ringgit interest rates are trending down also... (so should the div not be more than last year's 6.3%???)

So for the kinds of assets EPF can invest in — what exactly is “really down” this year?

This post has been edited by Wedchar2912: Oct 18 2025, 03:22 PM

We cannot pleased everyone.... Sure got issues pop up here & there.... Always finding fault....

So far, as what reported by EPF... The number looks okay... Rest of the year especially for Q4... We don't know what to looks forward....

There's some calculation by the edge news portal saying 5.5% EPF dividend already in hand if same growth is recorded for rest of the year...

That's why I expecting not less than 5.5%

I really hope all those so called analysts don't give glowing hopes & feel good factor blasting all over the place like previously.... In the end everyone gets disappointed big ...

Q4 is the best ride... just last week Friday we already witness the power of a tweet/tandrum.... followed by taco bell ringing. lol

Why asking here la?

But many here already >1M. I'm hoping for 6%

Just some fun stat for this wet Deepavali morning consumption and digestion.

https://theedgemalaysia.com/node/737967

"In 2013, there were only 17,061 or 0.3% of active EPF members who had more than RM1 million savings.
Some 80% were men"
Total withdrawals under the “above RM1 million” category crossed RM500 million in 2012,

10 yrs moments later, .......

90,334 or 1.1% have more than RM1 million savings as at end-2023, according to EPF data.
Some 31,059 or 34% are women while 59,275 or 66% are men."
Total withdrawals under the “above RM1 million” category crossed RM2 billion in 2023,

This post has been edited by MUM: Oct 20 2025, 09:23 AM


Attached thumbnail(s)

Mercer CFA Institute Global Pension Index 2025






This post has been edited by bobafett: Oct 21 2025, 09:30 AM

If they give low dividend, those above 55 will withdraw & move to other place or currency.

Below 55 will not put so much inside which is not attractive.

They can give dividend. Got problem to print more RM?

Ha ha so Malaysia will try do like Singapore CPF....Grade A!

Despite having no material effect for most, even a 0.1% difference provides enough fodder for the anti Anwar to launch an offensive on him.
Unfortunately declaring dividends isn’t as simple as we see it.

lets hope this weekend got many fdi signings to the benefit of Malaysia... and not the other way around where we invest a lot in usa to maga.

0.1% extra is still extra... for every 1 million, that's a nice 1K rm... can take that extra and donate to charity of one's choosing also better than epf keep in reserve.

This post has been edited by Wedchar2912: Oct 24 2025, 12:53 PM

About 130k people would have that option. 😀

I would rather have Grade C+....

This post has been edited by CommodoreAmiga: Oct 24 2025, 07:27 PM

Me too.
Grade A means nothing.

sure, it is understandable we in here prefer EPF
any time
compared to CPF

1. withdrawal restricted
2. Dividend lower
3. what else?

it loses out to Singapore in sustainabilty
and adequacy

retirees in singapore are more protected
many in Malaysia are not adequately covered.
pandai pandai lah jaga sendiri

Max contribution my employer ?

i thought the above say 90k people?

Published in Thestar on Saturday, 01 Mar 2025

https://www.thestar.com.my/news/nation/2025...qy62mCf8TTSYT8A

According to EPF statistics, 7.2 million members had savings of RM10,000 and below while 130,000 have RM1mil and above.

This is out of the EPF’s 16.22million contributors.


So I guess in between that time frame, compounding interest, self contributions and continued mandatory contributions may hv increased those that had 800k > 1mil in end 2023 to more than 1 mil category after 1+ yrs.
800k + 5.50% (2023 dividend) + 6.30% (2024 dividend) = 897k

This post has been edited by MUM: Oct 25 2025, 07:53 AM

the number climbs fast

i haven't belonged to that group yet

Should be very soon if you continued with that yearly max 100k self contributions.👍👍