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EPF Historical Rates

The last decade has seen fluctuating yet commendable performance from the EPF, with the highest dividend rates recorded in 2017 (6.9%) and 2014 (6.75%), attributed to favorable market conditions. 
Despite the impact of global and domestic market uncertainties on investment returns, EPF is still able to generate returns above 5.0% for the past decade.

Year Syariah Dividend Conventional Dividend
2023 5.40% 5.50%
2022 4.75% 5.35%
2021 5.65% 6.10%
2020 4.90% 5.20%
2019 5.00% 5.45%
2018 5.90% 6.15%

EPF is not fix at 6%. Fluctuating between 5.5 plus minus.
With the decades of unpredictable ringgit depreciation rate, it pulled down the 5.5% interest rate.

Definitely for long term retirement plan, CPF RA 4.05 plus % is a much reliable investment.