The retirement fund will distribute a total of RM79.6 billion in dividends to its members – RM67.1 billion to its conventional account holders and RM12.5 billion to its shariah account holders.
The dividends will be credited by tomorrow.
In a statement, EPF said it recorded total distributable income of RM82.7 billion for the financial year ending Dec 31, 2025, up 9.5% from RM75.5 billion in 2024.
Investment assets grew to RM1.409 trillion, an increase of 12.8% from RM1.250 trillion, driven by portfolio income and net contributions of RM66.5 billion.
EPF chairman Zuki Ali said that despite ongoing trade and geopolitical tensions, the global economy remained resilient in 2025, allowing major central banks to ease policies amid moderating inflation and creating a supportive environment for long-term investors.
He said EPF’s disciplined risk management and diversified investment portfolio enabled the fund to navigate market volatility, which peaked in the second quarter following the announcement of US reciprocal import tariffs.
“We are pleased the EPF delivered a commendable performance in 2025 despite a volatile year marked by unpredictable trade policies,” he said.
“Resilient equity markets were the main driver of EPF’s income, supported by stable returns from fixed income and the well-diversified nature of the portfolio.
“These results reflect our long-term approach to safeguarding members’ savings while delivering sustainable returns.”
EPF said its overall contributions received rose 12.3% to RM121.5 billion, reflecting higher membership, wage growth, and confidence in the pension fund.
Revisions to EPF’s contribution policy for migrant workers fuelled significant membership growth, rising from 16.2 million in 2024 to 18.1 million in 2025.
Active membership reached 10.6 million, with 2.8 million new registrations and 89,649 new employers, bringing the total to 640,391 active employers.
EPF said its voluntary contributions also gained momentum, increasing to RM19.2 billion. The i-Saraan programme played a key role, with recipients rising 35.9% to 720,056 and contributions growing 50.8% to RM4 billion.
Looking ahead, Zuki said EPF remains cautious amid global uncertainties.
“Our investment approach remains anchored on discipline, diversification, and strong governance,” he said.
“As a long-term retirement fund, EPF operates with a multi-year investment horizon, recognising that returns may vary from year to year while remaining focused on sustainable returns over time, enabling members to benefit from compounding to grow their savings.”