EPF Dividend 2025 — KWSP Rate & History
The Employees Provident Fund (EPF / KWSP) declares an annual dividend on your retirement savings. See the latest rate, the full history, and how it works.
Source: KWSP official announcements · FY2025 dividend, declared Feb 2026 · How we verify rates →
EPF Dividend Rate History
| Year | Simpanan Konvensional | Simpanan Shariah |
|---|---|---|
| 2025Latest | 6.15% | 6.15% |
| 2024 | 6.30% | 6.30% |
| 2023 | 5.50% | 5.40% |
| 2022 | 5.35% | 4.75% |
| 2021 | 6.10% | 5.65% |
| 2020 | 5.20% | 4.90% |
Rates as officially declared by KWSP. For years before 2020, see the full history at kwsp.gov.my.
How EPF Dividends Work
Calculated daily, paid yearly
Dividends accrue on your daily balance, so money kept in longer earns more. The annual rate is declared early the following year and credited as a lump sum that compounds.
Conventional vs Shariah
Simpanan Konvensional carries a guaranteed 2.5% floor; Simpanan Shariah (since 2017, fully separated portfolio since 2024) has no floor but invests only in Shariah-compliant assets.
Three accounts (since May 2024)
New contributions split into Akaun Persaraan (75%), Akaun Sejahtera (15%) and Akaun Fleksibel (10%). Only Akaun Fleksibel can be withdrawn anytime.
Where it fits
EPF is a long-term retirement fund. For shorter horizons compare fixed deposits, unit trusts (ASB/ASM) and dividend stocks.
EPF Dividend Malaysia — FAQ
What is the EPF dividend for 2025?
For 2025, the EPF (KWSP) declared a dividend of 6.15% for Simpanan Konvensional and 6.15% for Simpanan Shariah, credited to members' accounts in early 2026.
How is the EPF dividend calculated?
The dividend is calculated on your daily aggregate balance over the year — money that stays in your account longer earns more. It is declared as an annual rate and credited as a lump sum, then compounds in following years. The rate depends on the returns of EPF's investments for that year.
Is there a guaranteed minimum EPF dividend?
Yes. Under the EPF Act 1991, Simpanan Konvensional is guaranteed a minimum dividend of 2.5% per year. Simpanan Shariah has no legislated minimum — its return depends entirely on the performance of its Shariah-compliant portfolio.
What is the difference between Simpanan Konvensional and Simpanan Shariah?
Simpanan Konvensional is EPF's default savings. Simpanan Shariah (launched 2017) invests only in Shariah-compliant assets and has had its portfolio fully separated since January 2024. You can switch to Shariah once; the switch is permanent. Recent dividends have been very close between the two.
How is my EPF savings split between accounts?
Since the May 2024 restructure, new contributions are split into three accounts: Akaun Persaraan (75%, locked until retirement), Akaun Sejahtera (15%, for housing, education, health), and Akaun Fleksibel (10%, which you can withdraw anytime).
EPF or ASB — which gives a better return?
Both are low-risk Malaysian savings. EPF is a retirement fund with restricted withdrawals but strong long-term dividends; ASB is more flexible and open to Bumiputera investors. In recent years EPF's dividend has been broadly competitive with ASB — compare both and consider your liquidity needs.