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Your EPF Details
RM 100,000
RM 720
20 yrs
6.30%
2024 actual rate: 6.30%. Conservative: 5.50%. Optimistic: 6.50%.
This Year's Dividend
RM 6,300
at 6.30% on RM 100,000
Balance in 20 Years
RM 677,974
incl. contributions + dividends
EPF Growth Projection
| Year | Annual Dividend | Total Contributed | EPF Balance |
|---|---|---|---|
| Year 1 | RM 6,572 | RM 8,640 | RM 115,212 |
| Year 5 | RM 10,783 | RM 43,200 | RM 186,267 |
| Year 10 | RM 17,723 | RM 86,400 | RM 303,356 |
| Year 15 | RM 27,141 | RM 129,600 | RM 462,276 |
| Year 20 | RM 39,925 | RM 172,800 | RM 677,974 |
Assumes constant 6.30% annual dividend and RM 720/month combined contribution. Actual EPF dividend varies yearly.
EPF Historical Dividend Rates
| Year | Conventional Savings | Notes |
|---|---|---|
| 2024 | 6.30% | Highest since 2017 |
| 2023 | 5.50% | |
| 2022 | 5.35% | Post-pandemic recovery |
| 2021 | 5.65% | |
| 2020 | 5.20% | COVID-19 impact |
| 2019 | 5.45% | |
| 2018 | 6.15% | |
| 2017 | 6.90% | 50th anniversary bonus |
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Frequently Asked Questions
What is EPF dividend rate for 2026?
EPF declared 6.30% dividend for Conventional Savings for 2024 (announced March 2025), the highest since 2017. Shariah Savings also received 6.30%. Total distribution: RM73.24 billion. Historical rates: 2023 (5.50%), 2022 (5.35%), 2021 (5.65%), 2020 (5.20%). EPF has paid dividends above 5% every year for the past decade.
How is EPF dividend calculated?
EPF dividend is calculated on your daily balance throughout the year. For practical purposes: Annual dividend ≈ EPF balance × dividend rate. Example: RM100,000 balance × 6.30% = RM6,300 dividend. EPF credits the dividend to your account in early March the following year. The compound effect is significant — RM100k at 6.30% becomes RM293,000 after 20 years without any additional contributions.
Is EPF dividend better than ASB?
EPF 6.30% (2024) vs ASB 5.25% (2024) — EPF paid higher in 2024. However, ASB offers an additional bonus dividend and is open only to Bumiputera. For non-Bumiputera, EPF is the best guaranteed government-backed savings vehicle in Malaysia. Both EPF and ASB dividends are tax-free and capital is guaranteed.
When is EPF dividend credited to account?
EPF dividend is typically credited in late February or early March each year for the previous year's savings. The 2024 dividend (6.30%) was credited on 2 March 2025. You can check your dividend credit via i-Akaun app or EPF website. The exact credit date varies year to year based on when EPF makes the announcement.
Should I make voluntary EPF contributions for dividend?
Yes — voluntary EPF contributions (i-Saraan) earn the same 6.30% dividend and qualify for RM3,000 income tax relief. At 6.30%, EPF beats all fixed deposits (best FD ~4.0–4.5%), Tabung Haji (3.50%), and bonds. It's the best risk-free return available in Malaysia. The only downside: money is locked until age 55, except for Akaun Fleksibel (Akaun 3).
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