The Employee Provident Fund (EPF) declared a dividend rate of 5.35% for conventional savings and 4.75% for Shariah Savings for 2022. This was lower than 2021’s rate of 6.1% and 5.65% respectively. Pankaj C. Kumar, Business Commentator gives us his comments on their performance and how we can rebuild the savings of Malaysia after RM145billion was withdrawn during the pandemic.

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