EPF Dividend 2021

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The Employees’ Provident Fund (EPF) has declared its dividend for 2021 and the rate is 6.10% (2020: 5.20%) for conventional savings and 5.65% (2020: 4.90%) for Simpanan Shariah. This dividend rate really surprised me when I read it in the news.

Dividend history

As my own account is the conventional savings, I am going to list its dividend rate of the past five years.

2016: 5.70%

2017: 6.90%

2018: 6.15%

2019: 5.45%

2020: 5.20%

We can see that its dividend rate has been declining since 2017. But EPF reversed this trend in 2021. The dividend rate of EPF beats the dividend rate of Amanah Saham Bumiputera (ASB), the flagship product of Amanah Saham Nasional Berhad (ASNB) again. All the other fixed price funds of ASNB (including the funds that I have i.e. ASM and ASM2) has a sub 5% return. Its dividend rate is also better than the performance of KLCI (-3.67%) in 2021.


6.10% is really out of my expectation. I was thinking that the maximum dividend rate would be around 5.5%. But this is a pleasant surprise. I would be happy as long as I can get at least 5% dividend rate from EPF.

Do you know we can use part of the EPF money to invest through i-Invest? You can refer here to learn more about i-Invest if you are interested. Nonetheless, I am not using i-Invest. This is because I am already making my own investments and I want my EPF money to have minimal risk. But I do have friends who get good returns by investing their EPF money through i-Invest. It is up to you to decide if you want to invest part of your EPF money elsewhere.


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