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EPF declared 6.10% (conventional) / 5.65% (shariah) dividend for 2021

After an even longer waiting time than last year, the Employees Provident Fund (EPF, a.k.a. KWSP) has finally declared the dividend rate for financial year 2021.

For year 2021, the dividend declared for conventional account is 6.10% while for Shariah account is 5.65%. The dividend will be credited into members' account soon, and you can check for it by login into your EPF i-Account.

Year 2021 was the 5th year of dividend declaration for Shariah account, while dividend for conventional account has been declared annually since 1952. The dividend for Shariah account in all the years from 2017 to 2021 were lower than the dividend for conventional account of the same year.

The 6.10% dividend for EPF conventional account in 2021 is 17.31% higher than the 5.20%  dividend declared for 2020 (last year).

Calculation: (6.10-5.20)/5.20 = 0.90/5.20 = 17.31%

It is 7.96% higher than the 5.65% Shariah dividend declared for the same year.

Calculation: (6.10-5.65)/5.65 = 0.45/5.65 = 7.96%

In year 2021, there are quite a lot of people has taken out a portion of their EPF savings through i-Sinar, i-Lestari and i-Citra schemes. Hopefully, their money withdrawn from EPF had put in good use. Otherwise, it would be wiser to leave the money with EPF to enjoy the 6.10% dividend.


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