EPF’s i-Topup voluntary contributions rose 26% in 2025, with RM19.2 billion total, reflecting high trust in financial institutions and surplus income for retirement.
PUTRAJAYA: Public willingness to contribute above the statutory rate through the Employees Provident Fund i-Topup scheme signals high trust in the nation’s financial institutions. Finance Minister II Datuk Seri Amir Hamzah Azizan said this trend reflects confidence in the country’s economic stability.
The EPF announced that i-Topup contributions rose 26% for the year ended December 31, 2025. Total voluntary contributions to the EPF reached RM19.2 billion last year.
Amir Hamzah said these voluntary contributions prove that people have surplus income to invest for their retirement savings. He added that this sentiment was reinforced by a 50.8% surge in i-Saraan contributions to RM4.0 billion.
This shows gig and informal-sector workers are now better able to build financial protection thanks to vigorous domestic economic activity. The i-Topup allows employees or employers to contribute beyond the statutory rate to automatically boost retirement savings.
The scheme is subject to a maximum limit of RM100,000 per year. The EPF also declared a dividend rate of 6.15% for 2025 for both conventional and Shariah savings accounts.
Total dividend payouts amounted to RM79.6 billion. For 2025, the fund recorded a distributable income of RM82.7 billion, up 9.5% from RM75.5 billion in 2024.
Amir Hamzah said these achievements reflect the government’s commitment to restructuring the economy. He stated the goal is to ensure the sustainability of national prosperity and to strengthen social protection for the people.
“The MADANI government will continue to ensure that national prosperity is inclusive, sustainable, and delivers long-term benefits to Malaysians,” he said in a post on X.
Referring to the dividend announcement, he said the broader benefits of economic growth are evident despite an uncertain environment. He cited rising contribution totals, steady wage increases, and active member registrations as positive indicators.
The Sun Malaysia
