How to Use EPF Like a High-Return Bond (2026 Strategy)
Many Malaysians treat EPF as automatic savings, but few realise it can function like a high-return bond inside a long-term investment strategy. With historical dividend rates around 5–6%, voluntary EPF self-contributions can offer stable compounding that often beats fixed deposits. Here’s how to use EPF strategically, when it makes sense, and the risks you must understand before locking in your cash.