Above is the history of EPF dividend rates declared for the past 59 years, from 1952 to 2010. Source: Advisertool.com
Based on the data, it shows that an average EPF dividend of 5.91% per annum was reinvested back into our EPF account. Are you satisfied with the performance?
Basically, it’s about double of your fixed deposit interest rates (2.75%). And bear in mind, the Employees Provident Fund shall be given priority to be considered as part of your resources during retirement.
Hence, think twice before you decide to withdrawal money from EPF Account II to invest in higher return higher risk investment products. Unless, you are so confidence to achieve better ROI by investing at your own. Else, it’s better to let them manage for you.