EPF Top 10 Stock Holdings (Q3 2025): Where Your RM1.37 Trillion Savings Are Invested
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Your EPF savings aren't idle — they're powering Malaysia's economy through major stock investments. Equities make up 46% of EPF's RM1.37 trillion portfolio, driving the 6.15% dividend declared for 2025.
EPF discloses top holdings quarterly, showing heavy bets on banks, utilities, and infrastructure. Here's the latest breakdown from Q3 2025 data.
EPF's Top 10 Domestic Holdings
Banking and utilities dominate, providing stable dividends and growth. Tenaga Nasional leads with nearly 7% portfolio weighting.
These blue-chips reflect EPF's conservative strategy for long-term retirement security.
| Stock (Code) | Sector | Portfolio Weighting | Notes |
|---|---|---|---|
| Tenaga Nasional (TENAGA, 5347) | Utilities | 6.96% | Largest holding; stable income. |
| CIMB Group (CIMB, 1023) | Banking | Top 3 (↑ Q3) | Banking cluster ~25%. |
| Public Bank (PBBANK, 1295) | Banking | Top 4-5 | High dividend yield. |
| Maybank (MAYBANK, 1155) | Banking | ~6th (↓) | Major stake despite rebalance. |
| RHB Bank (RHBBANK, 1066) | Banking | Top 10 | Banking exposure. |
| IHH Healthcare (IHH, 5225) | Healthcare | Top 10 | Diversification play. |
| Sime Darby Plantation (SDG, 5285) | Plantation | Top 10 | Commodities. |
| Telekom Malaysia (TM, 4863) | Telecom | Top 10 (2.36%) | Digital growth. |
| MISC (3816) | Shipping/Energy | Top 10 | Energy logistics. |
| Gamuda (GAMUDA, 5398) | Construction | Top 10 (↑) | Recent net buys; 18.37% stake. |
Key Trends in EPF's Strategy
EPF boosted construction plays like Gamuda amid infrastructure booms, while holding steady on utilities for reliability. Banking remains core at ~25% of top holdings.
International equities (39% of assets) add global diversification, though domestic names drive visibility.
⚖️ EPF 6.15% vs ASB 5.75% – which is better for your first RM1,000? Read the EPF vs ASB guide →
Why Copy EPF's Picks?
EPF's focus on dividend aristocrats delivered RM63.99 billion in 9M 2025 investment income — up 11%. Retail investors can learn from this balanced approach.
Track Bursa filings for live updates; holdings shift with market conditions.
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Final Thought
EPF proves steady investing in quality Malaysian stocks builds retirement wealth. Check kwsp.gov.my quarterly for the freshest data.
⚠️ Important Disclaimer
This article is for informational purposes only and does not constitute financial advice.
- Stock holdings change quarterly; verify latest EPF disclosures
- Past performance doesn't guarantee future results
- Always read the full terms and do your own research before investing
- Consult a licensed financial advisor for personalised investment advice
Duitwise does not take responsibility for any investment decisions made based on this article.
References
- EPF Official: RM63.99B 9M 2025 Income — kwsp.gov.my
- The Edge: Equities Portfolio — theedgemalaysia.com
- NST: Gamuda Bets — nst.com.my/business