On 16 Feb 2019, Employees Provident Fund (EPF) has declared a dividend rate of 6.15% for Conventional Savings 2018, and 5.9% for Shariah Savings 2018. Here is the table on the EPF Dividend Rate in the past 20 years. Why EPF can maintain 4,25 % to 6.9% dividend for the past 20 years? One of the important part is portfolio management. Refer to EPF Annual Report, they always maintain the portfolio into Real Estate (10%), Cash (3%), Fixed Income (51%) and Equity (36%) Note : Equity could be diversified partially to oversea equities as well.   This is very important for you if you want to maintain the yearly return between 4% to 7% per year. If you are investing into fixed deposit only and always complain about the return is too low then there is your problem, not the fixed deposit's problem. If you are investing your money into unit trust by only choosing equity funds, then you might facing negative in your unit trust (if you only invest in local/Malaysia market).