{"id":42381,"date":"2020-02-26T11:41:33","date_gmt":"2020-02-26T03:41:33","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=42381"},"modified":"2020-02-26T11:46:50","modified_gmt":"2020-02-26T03:46:50","slug":"epf-dividend-rate","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate","title":{"rendered":"Lower EPF Dividend Rate: What The Expert Says"},"content":{"rendered":"<p>Malaysians were already bracing for modest dividends from Employees Provident Fund (EPF), for 2019. When Permodalan Nasional Bhd (PNB) declared its lowest ever dividend of 5.5% for ASB last year, speculations run amok on how low EPF dividend rate would be.<\/p>\n<p>Despite this, Malaysians were still taken aback when the dividend rate for conventional savings plummeted to 5.45%, the lowest dividend rate declared since 2008. Meanwhile, the declared dividend for Simpanan Shariah is 5%.<\/p>\n<p>Deriving 55% of its income from investment in equities, EPF places a substantial portion of its funds out of the country. Hence, despite modest returns from investments within the country, EPF was able to make up for the underperforming local investments.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-happened-this-time\"><\/span><strong>What happened this time? \u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here\u2019s what EPF\u2019s chief executive officer Alizakri Alias said:<\/p>\n<blockquote><p>\u201cCertainly 2019 exemplified what it means to be living in a VUCA (Volatile, Uncertain, Complex and Ambiguous) world. Many issues in the global markets remained unresolved, but we also saw some new issues cropping up. There were three rate cuts made by the US Federal Reserve, the US-China trade spat escalated and continues to be unresolved, and there were surrounding the Brexit negotiations.<\/p>\n<p>\u201cOn top of this, we did not expect the Hong Kong protests to be prolonged and that certainly added pressure on an already fragile far-east market.\u201d<\/p><\/blockquote>\n<p>He also urged the rakyat to not compare the dividends for 2019 to the payouts given a decade ago due to the differences in the environment then and now.<\/p>\n<p>Some of the factors that led to the lower dividend in 2019 are:<\/p>\n<ul>\n<li>Capital markets were affected by the US-China trade war<\/li>\n<li>Malaysia\u2019s stagnating property cycle<\/li>\n<li>Lower interest rates that caused yields from fixed income instruments such as government bonds to drop<\/li>\n<li>Bursa Malaysia\u2019s leading index FBMKLCI was down 4.7% at the end of 2019 compared to the beginning<\/li>\n<li>The Brexit debacle<\/li>\n<li>Prolonged Hong Kong protest<\/li>\n<\/ul>\n<p>Another factor is the size of the EPF fund today.<\/p>\n<p>The fund had grown to RM864.7 billion at the end of October 2019, compared to RM344.6 billion in 2008. What this means is that EPF requires RM9 billion to pay every 1% dividend today.<\/p>\n<p>As a comparison, the RM47.3 billion that was needed to declare 6.15% conventional dividend last year would have translated to a double-digit 14.9% dividend back in 2008.<\/p>\n<p>While analysts had already <a href=\"https:\/\/www.theedgemarkets.com\/article\/epf-needs-rm50-bil-pay-6-2019\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">forecasted<\/a> the dividend rate to come in below 6%, the reality was still disappointing to EPF members.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mixed-emotions-from-the-rakyat\"><\/span><strong>Mixed emotions from the rakyat <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Once EPF made an announcement via a post in their official Facebook account, Malaysians flocked to social media with their comments.<\/p>\n<p>Some commended EPF for doing their best despite the fragile investment scene globally, while some are worried about their retirement fund. Some even blame the new government for the low dividend payout.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-42382 \" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105947\/epf-comment-1-800x154.jpg\" alt=\"\" width=\"561\" height=\"108\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105947\/epf-comment-1-800x154.jpg 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105947\/epf-comment-1-300x58.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105947\/epf-comment-1-768x148.jpg 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105947\/epf-comment-1.jpg 936w\" sizes=\"(max-width: 561px) 100vw, 561px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-42383\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105955\/epf-comment-2-800x123.jpg\" alt=\"\" width=\"561\" height=\"86\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105955\/epf-comment-2-800x123.jpg 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105955\/epf-comment-2-300x46.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105955\/epf-comment-2-768x118.jpg 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26105955\/epf-comment-2.jpg 943w\" sizes=\"(max-width: 561px) 100vw, 561px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-42384\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110003\/epf-comment-3-800x113.jpg\" alt=\"\" width=\"561\" height=\"79\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110003\/epf-comment-3-800x113.jpg 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110003\/epf-comment-3-300x42.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110003\/epf-comment-3-768x108.jpg 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110003\/epf-comment-3.jpg 936w\" sizes=\"(max-width: 561px) 100vw, 561px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-42385\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110012\/epf-comment-4-800x188.jpg\" alt=\"\" width=\"561\" height=\"132\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110012\/epf-comment-4-800x188.jpg 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110012\/epf-comment-4-300x70.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110012\/epf-comment-4-768x180.jpg 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110012\/epf-comment-4.jpg 925w\" sizes=\"(max-width: 561px) 100vw, 561px\" \/><\/p>\n<p>We, at iMoney also received some interesting comments from our readers.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-42386\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110022\/epf-comment-5-800x587.jpg\" alt=\"\" width=\"561\" height=\"411\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110022\/epf-comment-5-800x587.jpg 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110022\/epf-comment-5-300x220.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110022\/epf-comment-5-768x563.jpg 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110022\/epf-comment-5.jpg 930w\" sizes=\"(max-width: 561px) 100vw, 561px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-the-expert-says\"><\/span><strong>What the expert says? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-42387 alignleft\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110428\/Pic-2-800x1200.jpg\" alt=\"\" width=\"215\" height=\"323\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110428\/Pic-2-800x1200.jpg 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110428\/Pic-2-300x450.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26110428\/Pic-2-768x1152.jpg 768w\" sizes=\"(max-width: 215px) 100vw, 215px\" \/><\/p>\n<p>Felix Neoh, Director (Financial Planning) at Finwealth Management Sdn. Bhd. spoke to iMoney on what we can do about EPF&#8217;s lower dividend payout.<\/p>\n<div class=\"block block--tips\"><div class=\"block__title\"><strong>Q: What is the immediate effect of the lower dividend payout to Malaysian employees?<\/strong><\/div><div>A: Less compounded returns to fund their retirement savings.<\/div><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<div class=\"block block--tips\"><div class=\"block__title\"><strong>Q: How about the long-term effect for Malaysians and the nation at large?<\/strong><\/div><div><\/p>\n<p>A: For the majority of contributors (in the accumulation phase) who are still actively working and contributing, the long-term effect is that the compounding returns of their retirement savings will be less. The impact of a one-year lower performance will not be as pronounced in the long term as compared to a long- term downward trend (should this low dividend rate continue over a long period).<\/p>\n<p>For retired members who still maintain their savings with EPF and depend on the dividend as a means of funding their annual retirement expenses, they will have less money to spend this year. So, adjustments to the retirement lifestyle might be required if the EPF funds are the main source of retirement income. If you\u2019re able to do so, consider part-time work to supplement the income or look for other investment opportunities to generate a higher overall return to meet your retirement funding needs.<\/div><\/div>\n<div class=\"block block--tips\"><div class=\"block__title\"><strong>Q<\/strong><strong>: EPF has been <\/strong><strong>advocating increasing EPF contribution for members to afford retirement. How will this result affect retirement trends in Malaysia?<\/strong><\/div><div>A: Malaysians should strive to increase their overall savings for retirement, be it via EPF savings or other investments earmarked for retirement purposes. The recently declared dividend rate for EPF savings is a reminder that one shouldn\u2019t be fully dependent on EPF as the only source of retirement funding but rather have a diversified portfolio of investments in addition to EPF savings in order to boost one\u2019s overall retirement savings.<\/div><\/div>\n<div class=\"block block--tips\"><div class=\"block__title\"><strong>Q: What are the other factors that can affect the dividend pay-out for next year?<\/strong><\/div><div>A: We\u2019re already seeing the economic impact of Covid-19 in various sectors and economies around the globe. At present, Malaysians are grappling with a new political crisis and its impact in further weakening portfolio investment sentiments has yet to pan out. The underlying Malaysian economy was already weakening early this year, and this prompted BNM to reduce the OPR just before CNY. All these factors do not point to a rosier dividend rate for 2020.<\/div><\/div>\n<div class=\"block block--tips\"><div class=\"block__title\"><strong>Q: Should Malaysians worry about their retirement fund? Are there any other measures that they can take?<\/strong><\/div><div>A: Malaysians need to diversify their retirement funding away from total dependency on EPF savings. PRS has been put in place but the structure currently only encourages limited additional savings under this scheme. Given this backdrop, Malaysians should look at other forms of investments for retirement savings which will enable them to participate more actively in global investment opportunities to diversify away from the Malaysia country bias.<\/div><\/div>\n<p>At the end of the day, 5 or 5.45% is still much better than what can be earned from most savings or fixed deposits while riskier investments may get you higher returns but offer none of the security that you get with EPF.<\/p>\n<p>However, as highlighted by the analyst, it is advisable to not be fully dependent on EPF as the only source of your retirement funding.<\/p>\n<h4><strong><span style=\"color: blue;\"><em>Read More:<\/em><\/span><\/strong><\/h4>\n<h4><em><a href=\"https:\/\/www.imoney.my\/articles\/robo-advisor-comparison\" target=\"_blank\" rel=\"noopener noreferrer\">RM1,000 Investment Guide: Where Do You Invest?<\/a><\/em><\/h4>\n<h4><em><a href=\"https:\/\/www.imoney.my\/articles\/benefits-epf-i-invest\" target=\"_blank\" rel=\"noopener noreferrer\">5 Features of i-Invest, EPF\u2019s New Online Investment Platform<\/a><\/em><\/h4>\n<h4><em><a href=\"https:\/\/www.imoney.my\/articles\/investment-guide-you-have-rm1000-now-where-do-you-invest-it\" target=\"_blank\" rel=\"noopener noreferrer\">Which Robo Advisor Should You Use In Malaysia?<\/a><\/em><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>We asked a financial planning expert to get a clearer perspective. <\/p>\n","protected":false},"author":44,"featured_media":42389,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[271,1],"tags":[],"class_list":["post-42381","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy","category-investment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Is The EPF Dividend Rate Lower This Year?<\/title>\n<meta name=\"description\" content=\"People are disappointed with the low EPF dividend payout. But here\u2019s what you could do instead.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Is The EPF Dividend Rate Lower This Year?\" \/>\n<meta property=\"og:description\" content=\"People are disappointed with the low EPF dividend payout. But here\u2019s what you could do instead.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-26T03:41:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-02-26T03:46:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26111915\/business-profit-loss-profit-decrease-marketing-income-down-arrow-stock-graph-flat-illustration-template_135170-63.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tharmini Kenas\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tharmini Kenas\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate\",\"url\":\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate\",\"name\":\"Why Is The EPF Dividend Rate Lower This Year?\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26111915\/business-profit-loss-profit-decrease-marketing-income-down-arrow-stock-graph-flat-illustration-template_135170-63.jpg\",\"datePublished\":\"2020-02-26T03:41:33+00:00\",\"dateModified\":\"2020-02-26T03:46:50+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/ba0d47fb3e28a771868c786d85a13c4f\"},\"description\":\"People are disappointed with the low EPF dividend payout. But here\u2019s what you could do instead.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#primaryimage\",\"url\":\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26111915\/business-profit-loss-profit-decrease-marketing-income-down-arrow-stock-graph-flat-illustration-template_135170-63.jpg\",\"contentUrl\":\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26111915\/business-profit-loss-profit-decrease-marketing-income-down-arrow-stock-graph-flat-illustration-template_135170-63.jpg\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.imoney.my\/articles\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Economy\",\"item\":\"https:\/\/www.imoney.my\/articles\/category\/economy\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Lower EPF Dividend Rate: What The Expert Says\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\",\"url\":\"https:\/\/www.imoney.my\/articles\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.imoney.my\/articles\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/ba0d47fb3e28a771868c786d85a13c4f\",\"name\":\"Tharmini Kenas\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a5befa4415bced081cac60ecac3105ee?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a5befa4415bced081cac60ecac3105ee?s=96&d=mm&r=g\",\"caption\":\"Tharmini Kenas\"},\"url\":\"https:\/\/www.imoney.my\/articles\/author\/tharmini-kenas\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why Is The EPF Dividend Rate Lower This Year?","description":"People are disappointed with the low EPF dividend payout. But here\u2019s what you could do instead.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate","og_locale":"en_US","og_type":"article","og_title":"Why Is The EPF Dividend Rate Lower This Year?","og_description":"People are disappointed with the low EPF dividend payout. But here\u2019s what you could do instead.","og_url":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate","og_site_name":"iMoney Malaysia","article_published_time":"2020-02-26T03:41:33+00:00","article_modified_time":"2020-02-26T03:46:50+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26111915\/business-profit-loss-profit-decrease-marketing-income-down-arrow-stock-graph-flat-illustration-template_135170-63.jpg","type":"image\/jpeg"}],"author":"Tharmini Kenas","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tharmini Kenas","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate","url":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate","name":"Why Is The EPF Dividend Rate Lower This Year?","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26111915\/business-profit-loss-profit-decrease-marketing-income-down-arrow-stock-graph-flat-illustration-template_135170-63.jpg","datePublished":"2020-02-26T03:41:33+00:00","dateModified":"2020-02-26T03:46:50+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/ba0d47fb3e28a771868c786d85a13c4f"},"description":"People are disappointed with the low EPF dividend payout. But here\u2019s what you could do instead.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/epf-dividend-rate"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#primaryimage","url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26111915\/business-profit-loss-profit-decrease-marketing-income-down-arrow-stock-graph-flat-illustration-template_135170-63.jpg","contentUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/02\/26111915\/business-profit-loss-profit-decrease-marketing-income-down-arrow-stock-graph-flat-illustration-template_135170-63.jpg","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/epf-dividend-rate#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Economy","item":"https:\/\/www.imoney.my\/articles\/category\/economy"},{"@type":"ListItem","position":3,"name":"Lower EPF Dividend Rate: What The Expert Says"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/ba0d47fb3e28a771868c786d85a13c4f","name":"Tharmini Kenas","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a5befa4415bced081cac60ecac3105ee?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a5befa4415bced081cac60ecac3105ee?s=96&d=mm&r=g","caption":"Tharmini Kenas"},"url":"https:\/\/www.imoney.my\/articles\/author\/tharmini-kenas"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/42381"}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=42381"}],"version-history":[{"count":12,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/42381\/revisions"}],"predecessor-version":[{"id":42401,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/42381\/revisions\/42401"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/42389"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=42381"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=42381"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=42381"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}