Dividen Adil

EPF Tiered Dividend Policy Simulator

A data-driven exploration of progressive dividend allocation aligned with EPF's Retirement Income Adequacy (RIA) framework. Built with real EPF Annual Report data (2019–2024).

The RM139 Billion Haemorrhage

Four COVID withdrawal schemes drained savings disproportionately from the poorest members

i-Lestari
RM14.55B
Apr 2020 · 25.6M applications
87% earned <RM3K/month
i-Sinar
RM58.69B
Jan 2021 · 30.2M applications
Account 1 withdrawals
i-Citra
RM21.29B
Jul 2021 · 21.2M applications
Up to RM5K per member
Pengeluaran Khas
RM44.57B
Mar 2022 · 6M applications
RM10K per member

Members with <RM1,000 (Depleted Accounts)

Peaked at 613K in 2022, recovered to 379K by 2024 — but structural damage remains

Members with >RM1M (The Rich Got Richer)

+126% from 2019 to 2024 — compounding while others depleted

Adequacy Rate (% Meeting Basic Savings)

Crashed from 36% → 19.5% in 2020. Took 4 years to recover.

Median Savings at Age 54 (RM thousands)

Kept falling until 2022 — RM168K in 2024, still far below RM390K Basic RIA target

Total Withdrawals vs Total Assets (RM Billion)