Kuala lumpur: The Employees Provident Fund (EPF) has announced a dividend rate of 6.15 per cent for 2025 (2024: 6.3 per cent) for both the conventional and shariah savings accounts, with a total payout of RM79.6 billion. Chief executive officer Ahmad Zulqarnain Onn stated that for the year ended Dec 31, 2025, EPF recorded total distributable income of RM82.7 billion, up 9.5 per cent from RM75.5 billion in 2024.

According to BERNAMA News Agency, Ahmad Zulqarnain Onn highlighted that investment assets grew to RM1.41 trillion, an increase of 12.8 per cent from RM1.25 trillion previously, driven by portfolio income and net contributions of RM66.5 billion. Equities remained the primary contributor in 2025, generating RM50.7 billion, or 64 per cent of total investment income. This surpassed RM49.9 billion in 2024, while return of investment (ROI) moderated to 7.9 per cent amid global market volatility and softer domestic market conditions. Private equity investments, which represent around 8.0 per cent of the equity investments, recorded an ROI of 10.5 per cent.

Fixed income instruments, which comprised predominantly Malaysian Government Securities, contributed RM26.3 billion or 33 per cent of total investment income with an ROI of 4.3 per cent. As yields trended lower during the year, fund managers were able to realise capital gains while maintaining future return potential.

The real estate and infrastructure segment delivered RM1.6 billion in income with an ROI of 4.8 per cent on a constant currency basis, while money market instruments contributed RM600 million with an ROI of 1.6 per cent. Performance was affected by foreign exchange translation due to the ringgit strengthening against the US dollar. Total investment income recorded was RM79.2 billion, which includes unrealised mark-to-market gains and losses on securities, mainly from foreign exchange rate fluctuations.

Investment income for conventional and shariah savings amounted to RM66.2 billion and RM13.0 billion, respectively. Ahmad Zulqarnain noted that equities comprised 46.1 per cent of total assets, while fixed income instruments made up 44.7 per cent. Real estate and infrastructure accounted for 6.0 per cent, and money market instruments 3.2 per cent.

Domestic investments continued to provide steady income, with 61.7 per cent of the RM1.41 billion in total assets as of December 2025 invested domestically, generating RM39.3 billion or 49.6 per cent of total investment income. Global investments, representing 38.3 per cent of the portfolio, generated RM39.9 billion, accounting for 50.4 per cent of total investment income.