Contribute on Nov 16 → 1 day in November + full December onward
Contribute on Dec 1 → full 31 days in December + all of next year


*contribute here really means when it is reflected in your epf, if you really go and do self contribution on Dec 1 and then reflect on Dec 2 then sorry la... entire month no dividend except for 1 day

so please understand the rules and contribute on 27th or 28th of each month that would be the best
most of the time the next day the transaction will be reflected but on the safe side better losing 2 to 3 days of interest instead of the entire month of interest

So it works exactly like asnb then. Any difference between epf and asnb in term of calculation?

Your deposit needs to reflect in Nov to get full Dec dividends.

If EPF statement shows it deposited in 1st Dec, then only 1 day of dividend is earned for the entire Dec.

Read again, esp the paragraph marked *.

I never try before to have it reflect as 1st on my contribution so far so I can't confirm it but I remember reading somewhere said if 1st of the month reflected then it will calculate full month. Anyone can help to confirm?

For me don't take risk

I believes what forummer gooroojee posted below instead of yours.

I cannot confirm it as i dont do that meticulous calculation on my epf dividends. But I had read many times other forummers mentioned before previously.

As Epf had said, ...
"your monthly contributions will earn dividends based on:

A day in the month of said contribution."

So I will stick to it as....
If 1st of Dec is shown/reflected in your account as contribution of the month, then "a" day of dividend you will get for Dec for that contributed amount.

This post has been edited by MUM: Nov 17 2025, 08:22 AM


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This calculation is valid for ASNB fixed Funds....

Deposit & reflect on 1st of the month... Whole month counted....

Don't get confused....

For EPF... Just deposit around 3 working days before end of each month... That's all... Don't need headache when cutoff for dividend calculation....

ah.. now i get it.. thank god i never risk it
thanks for the reminder

EPF Q3 numbers is out...

39% contribute 53% $$$...

If that 39% up to let say 45% or so... It's could generates around 60%++ minimum...

Since it's ROI is wayy better & higher than locals...

This post has been edited by nexona88: Nov 17 2025, 11:38 AM

to be fair... if those anal-ysts can calculate, since income is 11% better vs last year's same period, then 2025 div can be 7% pa (= 6.30 x 1.11)

Confirmed after this...

All those so called experts would says it's 6% dividends for EPF....

Spreading feel good vibes all over the place.....

Boosting Support rating....

Seems to want everything but failed to take into account contribution growth of 12% increasing total aum.

After i anal-list, i tikam 6.1%

Need take AUM increase into consideration so that will further dilute the dividend

Someone mudah ditipu dan mudah lupa.... So much reserves kept all this while.... Hmmmmm

Lotsa things to take profit... The ceo said.

A lot of things with huge capital gains never realize profit rite?

This post has been edited by Wedchar2912: Nov 17 2025, 01:17 PM

11% increase in term of income but same time 12% increase in AUM....

So it's "defisit" of 1%.... So EPF need to increase their Q4 results like 15%??

Need to dig from reserve $$$ 😁

This post has been edited by nexona88: Nov 17 2025, 01:28 PM

we all should be happy for now till the Q4 result is out... with AUM increase i think the result is still looking good...

waaa...hoe seh liao
Can we now expect 6.xx % next March ?

Prior to Q3 results, I was expecting around 4.75% for 2025 after keeping in mind Aum increases. Can say pleasantly surprised epf took / realize early profit . Seems to show that they can dictate how much to earn and it speaks of their tremendous margin of profits ( unrealised) still in the wings.