EPF 6.15% Dividend 2025: Where Else Can You Get 6% or More in Malaysia?

On 28 February 2026, EPF announced a 6.15% dividend for both conventional and Shariah savings for the year 2025. That means if you had RM100,000 sitting in EPF at the end of last year, you just earned RM6,150 — without doing anything. But here is the thing: that money is locked away until retirement. So the question most Malaysians are asking right now is — where else can I get 6% or more?

The good news is there are several options in Malaysia that can get you close to — or even above — 6%. The catch? Some come with conditions, some are short-term promos, and none of them have the same rock-solid backing as EPF. Here is everything you need to know, explained simply.

What EPF 6.15% Actually Means for You

EPF paid out a total of RM79.6 billion in dividends for 2025 — RM67.1 billion for conventional savings and RM12.5 billion for Shariah savings. This came from managing a fund worth RM1.409 trillion across equities, bonds, property, and infrastructure around the world.

The 6.15% return beats EPF's own 5-year average of 6.03%, which means last year was a strong one. Equities did a lot of the heavy lifting, returning 7.9% on a 42% allocation. Fixed income contributed steadily at 4.3%, while real estate and infrastructure added another layer of stability.

The big limitation with EPF is access. Your money is tied up until you reach retirement age, with limited withdrawal options for housing, education, or health. For most working Malaysians, EPF is untouchable savings — which is exactly why it works so well as a retirement tool. But it also means you need other places to park your liquid cash if you want similar returns.

UOB One Account — 6% With Daily Access

The UOB One Account is one of the more straightforward ways to earn 6% on your savings while keeping full access to your money every day. The interest is calculated daily and credited monthly, and your savings are protected under PIDM up to RM250,000.

The catch is that you need to meet a few conditions each month to unlock the higher tiers. You need to credit your salary into the account, spend a minimum amount on your UOB credit or debit card, and optionally meet one more qualifier such as a bill payment or investment product. Hit all the criteria and balances up to RM50,000 can earn up to 6% per year. Miss a condition and the rate drops significantly. It rewards people who already do their banking in one place — but requires some discipline to maintain consistently.

Webull Moneybull — 6% for Traders Who Park Cash

Webull Malaysia launched Moneybull as a Shariah-compliant cash management product that sweeps your idle broker cash into the AHAM Aiiman Enhanced i-Profit Fund. The fund itself earns around 3.4% per year under normal conditions, but Webull tops it up with a bonus to bring the total to 6% per annum for a promotional period of up to 45 days.

The promo applies to balances up to RM50,000 per user, and the cash stays fully accessible for trading — meaning it is not locked away while it earns. This makes it a smart option for active traders who want their idle cash working while they wait for the right entry point. Once the promo ends, the rate reverts to the underlying fund's natural yield, which sits closer to 3% to 3.5%.

Moomoo Cash Plus — 6% Welcome Offer for New Users

Moomoo's Cash Plus feature places your uninvested cash into low-risk money market funds such as the United Money Market Fund, Maybank Retail Money Market-i, and Eastspring Islamic Income Fund. For new subscribers, Moomoo offers an effective 6% per annum on the first RM30,000 for 30 days, achieved through a platform subsidy stacked on top of the fund's own yield.

After the 30-day welcome period, the rate normalises to whatever the underlying funds are returning at the time — typically between 3% and 4%. Redemptions are processed quickly on a T+0 or T+1 basis, so access is not a problem. Treat the 6% as a welcome bonus rather than a long-term expectation.

KDI Invest Deposit Programme — 6.5% Over 120 Days

KDI, the digital investing arm of Kenanga Investment Bank, is currently running a programme that offers 6.5% per annum — the highest rate on this list. It works by combining your KDI Invest and KDI Save balances together. Deposit fresh funds of at least RM3,000 into KDI Invest, hold them for 120 days without withdrawing, and make sure your KDI Save balance matches or exceeds that deposit amount at the end of the period. If you do all that, you earn 6.5% p.a. on the qualifying amount.

The 6.5% is made up of KDI Save's base rate of around 4% plus a bonus top-up of 2.5% from Kenanga. The bonus interest is credited into your KDI Save account within 45 days after the holding period ends. The programme runs from 18 January 2026 until 31 December 2026, so there is still plenty of time to join. The key thing to note is that the 6.5% applies to the lower of the two amounts — your KDI Invest deposit or your KDI Save balance — so plan carefully to maximise your return.

Shopee Money+ — 6% for Small Everyday Balances

Shopee launched Money+ to let users grow their ShopeePay balance through an underlying investment fund. During the promotional period running from January to April 2026, Shopee adds a bonus on top of the fund's yield to bring the effective return up to 6% per annum. The feature is simple to use and returns are reflected daily.

The main limitation is the cap. The 6% applies only to balances of around RM1,000, making it best suited for small amounts you already keep in your e-wallet for shopping. It is not designed for serious cash parking, but it is a nice perk if you are already an active Shopee user.

How They All Compare

What Would RM50,000 Earn Over One Year?

Here is a simple example. If you had RM50,000 to put to work for a full year, here is roughly what each option would return — assuming you meet all conditions and rates hold for the full period:

The difference between EPF and a standard fixed deposit on RM50,000 over a single year is RM1,325. Over 10 years with compounding, that gap becomes much larger. This is why getting your cash into the right place matters more than most people think.

So Which One Should You Use?

It really comes down to what you need from your money. If it is retirement savings, leave it in EPF and let it compound untouched — it is one of the best risk-adjusted returns you will find anywhere in Malaysia. If you want the highest short-term rate and do not mind keeping the money still for 120 days, KDI Invest's 6.5% programme is worth a serious look. If you need the money to stay accessible every day, UOB One is the strongest long-term option at 6%, provided you are already using the bank for your day-to-day needs. For traders, Moneybull is a smart way to put idle brokerage cash to work between trades. And for small balances, Moomoo and Shopee are easy entry points with decent welcome returns.

The worst thing you can do is leave money sitting in a regular savings account at 0.5 to 1%. Every option on this list beats that by a wide margin.

Final Thought

EPF's 6.15% is a great benchmark — it tells you what a well-managed, diversified, long-term fund can deliver in a good year. The alternatives on this list can match or even beat it in rate, but none of them match EPF's consistency, scale, or long-term compounding power. Use EPF for the long game. Use the rest to make your accessible cash work harder in the meantime.

References

• EPF Dividend Announcement 2025 — kwsp.gov.my
• EPF Historical Dividend Rates — kwsp.gov.my/en/others/resource-centre/dividend
• Bernama — EPF Declares 6.15% Dividend (28 Feb 2026)
• The Star — EPF declares 6.15% dividend for conventional savings (28 Feb 2026)
• RinggitPlus — EPF Declares 6.15% Dividend For 2025
• Business Times SG — Malaysia's EPF declares 6.15% dividend for 2025
• KDI Invest Deposit Programme — digitalinvesting.com.my
• KDI Invest Programme T&Cs — digitalinvesting.com.my/terms-and-conditions
• Duitwise — KDI Invest Deposit Programme 2026 Guide
• FintechNews Malaysia — Shopee Money+ feature launch
• ITBrief Asia — Webull Malaysia Moneybull 6% launch
• Moomoo Malaysia — Cash Plus product page
• StashAway Malaysia — Best Safe and Low Risk Investments in Malaysia