What are the EPF dividend rates?

EPF declared 5.50% conventional and 4.75% shariah dividends for 2023. Historical rates: 6% range typical in good years. Declared annually based on investment performance. Dividends are tax-exempt.

What are EPF Account 1 and Account 2?

Account 1 (70% of contributions): for retirement at age 55, cannot be withdrawn early except for specific approved investments. Account 2 (30%): can be used for housing, education, healthcare, and pre-retirement withdrawal from age 50. From 2024, EPF Akaun Fleksibel adds flexibility.

When can EPF be withdrawn in Malaysia?

Full EPF withdrawal at age 55. Partial withdrawal available for house purchase, education, medical emergencies. At 55, you can make staged withdrawals or invest via EPF-approved fund managers.

Malaysia EPF Retirement Balance Projection Calculator

Project Malaysian EPF retirement balance. Annual dividend 2023: 5.50% (conventional), 4.75% (shariah). Contribution: 11% employee + 12-13% employer. Account 1 (70%) for retirement, Account 2 (30%) for specific withdrawals.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Project Malaysian EPF retirement balance. Annual dividend 2023: 5.50% (conventional), 4.75% (shariah). Contribution: 11% employee + 12-13% employer. Account 1 (70%) for retirement, Account 2 (30%) for specific withdrawals. Use the malaysia epf projection result to inform your calculation.

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Frequently Asked Questions

What are the EPF dividend rates?

What are EPF Account 1 and Account 2?

When can EPF be withdrawn in Malaysia?