How EPF Maintains a 6.15% Dividend Even During Tough Economic Times

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 EPF (KWSP) has just announced a 6.15% dividend for 2025. But how do they consistently deliver such steady returns, even when the economy is struggling? And more importantly, can ordinary retail investors copy their strategy?

Today, we’re going to reveal a secret weapon used by EPF to manage their investments — a tool that you can also use on Moomoo to track and follow what institutional investors are doing. With this, you can see what they buy, sell, or hold. Curious? Watch the video till the end!


The Secret Behind EPF’s 6.15% Dividend

To understand how EPF achieves these returns, you first need to grasp the scale of their operations. EPF manages over RM1 trillion, making it one of the largest pension funds in the region. Many people mistakenly think EPF only invests in local stocks like Maybank, TNB, or Petronas.

In reality, EPF is globally diversified. They hold shares in the US, Europe, and Asia-Pacific, spanning industries like technology, healthcare, and consumer goods. This global approach allows them to capture opportunities that retail investors often miss.

For example, during last year’s AI boom, Nvidia and the semiconductor sector surged. EPF had exposure early on, allowing them to benefit from the rally. Even regular contributors to KWSP indirectly shared in these profits.


What Makes EPF “Smart Money”?

The reason EPF consistently delivers steady returns is simple: they’re smart money.

Smart money refers to institutional investors, like large fund managers such as Warren Buffett’s Berkshire Hathaway, Cathie Wood’s ARK Invest, or BlackRock, the world’s largest asset manager.

Why are they called smart? Because they have:

  • Large research teams analyzing opportunities
  • Access to institutional data not available to retail investors
  • Strong networks with company CEOs
  • Significant capital to move markets

Unlike retail investors, they don’t announce their trades on Twitter or newsletters. Tracking them requires specialized tools — and that’s where platforms like Moomoo come in.


How Retail Investors Can Learn From EPF

While you can’t fully replicate EPF’s strategy, you can learn from it. By using tools like Moomoo, you can:

  • Track what institutional investors are buying and selling
  • Discover opportunities early
  • Make more informed investment decisions

This gives you a sneak peek into the strategies of the pros — something previously available only to the elite.


💡 Ready to start investing like the pros?

Use Moomoo to explore ETFs and track institutional investors’ moves. Click here to start: https://j.moomoo.com/0xFRE4

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