On February 28, 2026, the EPF announced a 6.15% dividend for both Conventional and Shariah savings for the 2025 financial year, totalling a record RM79.6 billion payout. While slightly lower than the 2024 rate of 6.30%, this distribution remains among the highest in five years, significantly outperforming current fixed deposit rates.

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While the total payout hit a record RM79.6 billion, the 6.15 per cent rate reflects two specific pressures:

● ​The Ringgit: A stronger local currency meant that high returns from global investments were worth less once converted back to Ringgit.

​● A Larger Pool: Member savings have grown so much that even record profits are distributed across a significantly wider base of capital.

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🤖 EPF Chief Executive Officer Ahmad Zulqarnain Onn has clarified that dividends for the 2025 financial year cannot be credited solely into Akaun Fleksibel (Account 3). Under the Employees Provident Fund Act 1991, dividends must be distributed proportionately across all three accounts based on their existing balances. This legal requirement prevents the fund from diverting returns earned in the Retirement or Sejahtera accounts into the withdrawal-ready account, ensuring long term savings integrity.

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🤖 EPF is launching i-Legasi, a scheme enabling members with savings above the RM650,000 adequacy benchmark to transfer funds directly to their children. This facility bypasses the standard RM100,000 annual limit, allowing parents to bolster their children's retirement accounts without restriction. It is a strategic move for intergenerational wealth, provided your own nest egg is already secure.

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● Record Total Payout: Distributed a history-making RM79.6 billion in dividends to members.

● Income Growth: Recorded an 11% increase in gross investment income, totaling RM63.99 billion for the first nine months.

● Q3 Surge: Third-quarter investment income rose 27% year-on-year to reach RM25.07 billion.

● Asset Expansion: Total investment assets grew to RM1.37 trillion as of September 2025.

● Consistent Yield: Achieved a 6.15% dividend for both Conventional and Shariah savings, outperforming market fixed deposit rates.

- Generated by AI

📌 Before you start

Ensure that you have registered and activated your i-Akaun (Member). This digital facility allows you to check or download your statements online via the KWSP i-Akaun app or the i-Akaun (Member) web portal, without the need to queue at the counter.

📌 How to check your dividends online

The transaction details for all three accounts—Akaun Persaraan, Akaun Sejahtera, and Akaun Fleksibel—will be displayed in your Member Statement.

Important: Dividends announced in 2026 relate to your savings from 2025. To see the credited amount, you must select the previous financial year (2025) in your statement settings.

You can choose one of the following methods:

1. KWSP i-Akaun mobile app:

This is the fastest way to check via your smartphone. Use either:

• a) The Home Page
• b) The Savings Menu

2. i-Akaun (Member) web portal:

Best for users on a desktop or laptop. Ensure your registered TAC phone number is active and up to date for a smooth login and download process.

🌍 For members residing overseas

The process remains the same via the app or web portal as long as your account is active and you have an internet connection. If you cannot access these, you may submit a request through the Enquiry channel on the official EPF website.

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If you encounter difficulties, try these steps:

• Update the application: Ensure the KWSP i-Akaun app on your device is updated to the latest version to maintain smooth system functionality. 
• Self-service action: Use the “Forget User ID/ Password” function on the login page to reset your account details.
• Digital assistance: Submit an enquiry via the official website or contact EPF through its WhatsApp KWSPMalaysia channel.
• In-person assistance: Visit your nearest EPF office for direct assistance at the counter.

- Taken from EPF's official website