SHAH ALAM: Driven by portfolio income and net contributions of RM66.5bil, the Employees' Provident Fund's (EPF) investment assets grew to RM1.409 trillion, which is a 12.8% increase from the RM1.250 trillion recorded in the previous year.
The EPF recorded a total distributable income of RM82.7bil for 2025, up 9.5% from the RM75.5bil in 2024.
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Domestic investments continued to provide steady income, with the RM1.409 trillion worth of assets generating investment income of RM39.3bil and accounting for 49.6% of total investment income.
Global investments, representing 38.3% of the portfolio, generated RM39.9bil and accounted for 50.4% of total investment income.
EPF chairman Tan Sri Mohd Zuki Ali said the diversified portfolio across asset classes and markets, guided by the fund’s Strategic Asset Allocation, has enabled it to navigate market volatility.
He said market cycles may bring short-term volatility, but disciplined risk management remains the priority alongside a long-term investment strategy.
"We are pleased the EPF delivered a commendable performance in 2025 despite a volatile year marked by unpredictable trade policies. Resilient equity markets were the main driver of EPF’s income," he said in a statement.
The statement followed the fund’s 2025 Dividends Briefing on Saturday (Feb 28).
He added that despite trade and geopolitical tensions, the global economy remained resilient in 2025 as moderating inflation allowed major central banks to begin easing policy.
Malaysia’s economy expanded by 5.2% in 2025, underpinned by steady domestic demand and resilient exports.
Fiscal and structural reforms strengthened investment activity and business confidence, while Bank Negara's policy rate adjustment to 2.75% supported growth momentum.
The global economy is expected to remain resilient as moderating inflation and a gradual monetary easing cycle support financial conditions for businesses and households.
Mohd Zuki said EPF remains cautious in its outlook for 2026 as global uncertainties persist.
"Our investment approach remains anchored on discipline, diversification and strong governance. As a long-term retirement fund, EPF operates with a multi-year investment horizon," he added.
The EPF declared a 6.15% dividend rate for both conventional and syariah savings for 2025.
