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Friday, March 6, 2026

RM79.6bil windfall for EPF members

 

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SHAH ALAM: The Employees Provident Fund (EPF) has declared a lower dividend for 2025 at 6.15% for both conventional and syariah accounts.

The total dividend payout for 2025 is RM79.6bil, whereby RM67.1bil is for conventional accounts and RM12.5bil for syariah accounts.

For 2024, the EPF declared a dividend rate of 6.3% for conventional savings with a total payout of RM63.05bil, as well as a 6.3% dividend for syariah savings, with a payout amounting to RM10.19bil.

EPF chief executive officer Ahmad Zulqarnain Onn attributed the lower payment to the slower growth of Bursa Malaysia’s Kuala Lumpur Composite Index (KLCI), which grew at 2.3% last year compared to about 12.9% in 2024.

Secondly, he said, assets denominated in the US dollar were also impacted due to the strength of the local currency.

The strengthening of the ringgit against the US dollar “impacted the value in ringgit of our income from dollar assets”, he said during the retirement fund’s dividend announcement yesterday.

“The ringgit does impact our international holdings and it was one of the best-performing currencies in the world, gaining 10.2%.”

The EPF recorded a total investment income of RM79.2bil for 2025, up from the RM74.46bil reported in 2024.

Investment assets grew to RM1.409 trillion, which is a 12.8% increase from the RM1.25 trillion recorded in the previous year, driven by portfolio income and net contributions of RM66.5bil.

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The EPF recorded a total distributable income of RM82.7bil for 2025, up 9.5% from RM75.5bil in 2024.

Domestic investments continued to provide steady income, with 61.7% of the RM1.409 trillion worth of assets invested domestically. They generated investment income of RM39.3bil and accounting for 49.6% of total investment income.

Global investments, representing 38.3% of the portfolio, generated RM39.9bil and accounted for 50.4% of total investment income.

Ahmad Zulqarnain said the outlook for 2026 is moderate in the face of uncertainties.

“We believe economic growth will continue to be within expectations for most parts of the world, including continued growth in Malaysia,” he noted.

“Malaysia delivered 5.2% in 2025; the estimates are 4.3% for this year. But as we know, we also live in a world of great uncertainties, more so today than it has been for many decades.

“The risks are around trade policies, geopolitics, the path of inflation and, therefore, monetary policy and interest rates, increasing public debt, and the impact of artificial intelligence, which will create new winners and new losers. We believe Malaysia is in a good place,” he added.

“The top three themes for Malaysia that we believe will be persistent for the next decade are healthcare as we age as a nation, artificial intelligence, data and digitalisation as our personal and work lives become more and more digital, and energy as the world transitions to green energy.”

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Meanwhile, the EPF will introduce the i-Legasi scheme, enabling contributors aged 55 and above to pass down their retirement savings to their children.

This scheme allows contributors to transfer their savings “intergenerationally” to their children. However, this applies only to members who are already eligible to withdraw their savings.

Ahmad Zulqarnain also said EPF dividends must be credited into the correct account as provided for under the law.

“If the savings are in Account 1 or Account 2, the dividends must be credited into those accounts,” he said.

“We cannot take dividends from other accounts and transfer them,” he said in reference to Arau MP Datuk Seri Shahidan Kassim’s suggestion that the dividends be channelled to the flexible account.

Silver EPF lining

6.15% dividend for conventional, syariah accounts

 The good news is 41% of contributors have met the RM240,000 minimum savings, and parents can now pass down their retirement funds to their ...Read more

Steady and reassuring' ... Although the dividend is slightly lower than last year's 6.3%, she described the rate as “steady and reassuring”.Read more




Saturday, February 28, 2026

5 Exercises Seniors Should Do Every Day, You only need these five exercises to strengthen your muscles

 



A glute bridge primarily targets the gluteus maximus (buttocks), hamstrings (back of thighs), and core muscles, including the abdominal muscles and lower back. — Photos: Freepik

A few targeted exercises can help tone up the muscles matter most

By now, you should know the benefits of building strength, especially as you age.

Strength training and cardiovascular exercises are equally important, with studies showing that combining both provides the lowest mortality risk and the best overall health outcomes.

Cardiovascular exercises are best for heart, lung and endurance health, while strength training is vital for muscle growth, bone density, metabolism, injury prevention and maintaining independence.

Numerous research reveals that significant improvements are possible even if you start strength training in your 80s and 90s. 

That said, you don’t have to sign up for gym memberships or buy fancy equipment to begin a programme.

All you need is your own body.

Instead of working out different body parts on different days, the focus here is to do a few targeted exercises to help tone up the major muscle groups to improve your balance, flexibility and posture. 

The emphasis is on the knees, hips, back and shoulders because these joints and their surrounding muscles are the primary drivers of human movement and are heavily used in daily activities like walking, sitting, bending and lifting.

The calves are also important. as building muscles in this area improves venous return – i.e. the process of blood flow back to the heart, which can decrease peripheral resistance and help stabilise or lower blood pressure.

When calf muscles contract, they compress the deep veins in the legs, effectively pumping blood against gravity toward the heart. This helps prevent blood pooling in the lower extremities and reduces the workload on the heart.

Ultimately, everyone’s aim is to be mobile till the last breath.

Here are five essential bodyweight exercises suitable for all ages and fitness levels.

Perform 10-12 repetitions of all exercises once a week, then progress to twice a week and if it gets too easy, repeat the circuit two or three more times or increase the repetitions to 15.

More importantly, do them in a controlled tempo to maximise muscle tension and safety.

By training once a week, you should feel stronger and more energetic in as little as three weeks.

However, visible, significant physical changes generally take about two to four months of consistent, once-a-week training.

There are no shortcuts, unfortunately.

By Revathi Murugappan,  a certified fitness trainer who tries to battle gravity and continues to dance to express herself artistically and nourish her soul. For more information, email starhealth@thestar.com.my. The information contained in this column is for general educational purposes only. Neither The Star nor the author gives any warranty on accuracy, completeness, functionality, usefulness or other assurances as to such information. The Star and the author disclaim all responsibility for any losses, damage to property or personal injury suffered directly or indirectly from reliance on such information.

Monday, February 23, 2026

When are supplements necessary?

Nutrient deficiencies are a widespread problem occuring among the rich and the poor.

https://www.pressreader.com/malaysia/the-star-malaysia/20260222/282480010263654


Are Supplements Truly Necessary? Essential Facts Every Health Enthusiast Should Know
 
Are Supplements Truly Necessary? Essential Facts Every Health Enthusiast Should Know

In an era where people are becoming increasingly health-conscious, adopting a nutritious diet and regular exercise has become more popular than ever. Yet, many individuals are also turning to dietary supplements or vitamins as a way to enhance their health and strengthen their immune systems. But what are the actual pros and cons of these supplements? And how can one consume them appropriately to match the body’s unique needs?

Benefits of Taking Supplements and Vitamins

1. Compensates for Nutritional Deficiencies
If your diet lacks variety or you have dietary restrictions—such as following a vegetarian or vegan lifestyle—you may be missing out on essential nutrients like Vitamin B12, iron, or Vitamin D. Supplements can help bridge these nutritional gaps effectively.

2. Helps Rebalance the Body
Certain health conditions, such as osteoporosis or hormonal imbalances, may require additional nutritional support. In such cases, supplements like calcium or Vitamin D can play a crucial role in restoring balance and supporting recovery.

3. Enhances Skin Health and Immunity
Popular supplements such as Vitamin C, Vitamin E, and Omega-3 fatty acids are widely used to boost skin vitality and immune function. These nutrients can help maintain youthful skin and reduce the risk of various diseases.

Drawbacks of Taking Supplements

1. Potential Side Effects
Overconsumption of vitamins or supplements can lead to side effects. For instance, high doses of Vitamin A may cause toxicity, while excessive calcium intake can contribute to bone or kidney issues.

2. Cannot Replace a Balanced Diet
Supplements should not be seen as a substitute for nutritious food. Relying solely on pills instead of whole foods—like fruits, vegetables, and lean proteins—can lead to deficiencies in other vital nutrients found in natural sources.

3. High Cost
Quality supplements often come with a high price tag, making them less accessible or sustainable for long-term use, especially for those with budget constraints.

Guidelines for Safe and Effective Supplement Use

1. Choose Reputable Sources
Always purchase supplements from trusted brands and sources that are certified by reputable regulatory bodies (such as the FDA or equivalent local authorities) to ensure safety and quality.

2. Consult Healthcare Professionals
Before starting any supplement regimen, it’s advisable to consult a physician or a registered dietitian. They can assess your specific needs and recommend supplements that align with your individual health profile.

3. Take the Right Dosage

More is not always better. Taking supplements in excessive amounts can be harmful. Always adhere to the recommended dosages as advised by healthcare experts to avoid adverse effects. 
 
 
 

Knowing when it is necessary to take supplements


 

Supplements serve as a protective and corrective tool to address nutrient deficiencies in the modern diet and in drug-induced cases. — Filepic

 

Discussion about supplements is a popular topic.

A stroll across a pharmacy, clinic or healthcare establishment will find you faced with a stacked shelf of vitamins, minerals, herbs and nutritional powders.

This ubiquitous availability tends to bring up a critical and reasonable question in the public’s mind: if we eat well enough, why then do doctors and healthcare professionals prescribe supplements?

The solution is not found in health fads, or on sales campaigns, but exists within modern living, evolving dietary patterns, the escalating burden of chronic disease and chronic medication adherence.

Supplements are not meant to replace food and the traditional diets that Malaysians take pride in.

Nutrient deficiencies do not occur only in people who eat poorly or live in extreme conditions; they are increasingly common even among individuals who appear well-nourished.

Malaysia is frequently referred to as a country rich in food, due to abundant produce but modern eating habits have changed significantly over the past few decades.

Rapid urbanisation, long working hours, shift work and easy access to convenience foods – all these have changed what and how we eat.

Fast and highly processed items, sugary sweets and fried foods, as well as large portions of refined carbohydrates now serve an increasingly important role in urban dining patterns.

These foods provide enough calories and are satiating in nature, but they usually lack important micronutrients.

National local surveys found that adults fail to meet the recommended intakes of calcium, iron (especially women) and many vitamins, despite consuming adequate, or even high, calories.

This leads to a paradox in which one may seem well-fed or even overweight but be functionally malnourished.

These deficiencies may not lead to illness over the long term but over time are associated with fatigue, lower immunity, bad bone health and increased risk of chronic disease.

Impaired absorption and changing lifestyles

The gastrointestinal system is crucial for the absorption of nutrients.

Various conditions, including irritable bowel syndrome, inflammatory bowel disease, coeliac disease, low stomach acid and prior gastrointestinal surgeries, can hinder the uptake of vitamins and minerals.

Additionally, even without a formal diagnosis, elements such as chronic stress, alcohol intake, and frequent antibiotic usage can compromise gut integrity and disturb the balance of the microbiome, thereby diminishing nutrient availability.

Modern lifestyles place extra demands on nutritional health.

Chronic stress, often faced by urban professionals and those working shifts, has been linked to an increased requirement for various nutrients, particularly magnesium and B vitamins.

Inadequate sleep can disrupt hormonal balance and nutrient utilisation.

Alcohol consumption hinders the absorption and metabolism of B vitamins, zinc and magnesium, whereas smoking amplifies oxidative stress and reduces levels of vitamin C and antioxidants.

Together, these elements contribute to a gradual and unnoticed decline in nutrient levels, frequently occurring well before any laboratory indicators become evident.

Increased physiological demands

Various life stages such as pregnancy, breastfeeding, adolescence, menopause and ageing require increased nutrient intake.

In these scenarios, relying solely on dietary consumption may not suffice to fulfil these heightened requirements, making supplementation a viable and evidence-supported option.

Expectant and nursing mothers need to increase their intake of iron, folate, iodine, calcium and vitamin D to preserve maternal well-being and facilitate the growth of the foetus or infant.

Factors like chronic stress, infections, inflammation and significant physical or mental exertion further increase the turnover of nutrients.

Older adults, due to age-related digestive changes, are often prescribed multiple long-term medications, which must be taken cautiously to ensure adequate nutrient absorption.

The metabolic demands for these individuals are heightened as many also have chronic health issues such as hypertension, diabetes and heart disease, hence require medications that can disrupt the body’s nutrient balance.

An overlooked problem

Perhaps one of the most clinically significant yet often overlooked causes of nutrient deficiencies is the prolonged use of medications.

These drug-induced nutrient deficiencies (DIND) arise when drugs disrupt the processes of digestion, absorption, metabolism, transport or excretion of essential nutrients.

This does not suggest that medications are detrimental or unnecessary; in fact, many are crucial for effective disease management.

However, neglecting to consider their nutritional impacts can undermine treatment efficacy and overall health.

To counteract deficiencies resulting from medication use, supplements are advised, which is particularly important in Malaysia, where chronic conditions such as diabetes and heart disease are widespread.

The high prevalence of diabetes often necessitates long-term medication, potentially leading to unintended malnutrition and associated public health concerns.

DIND can occur as medications impede nutrient absorption or metabolism, frequently going unnoticed since symptoms like fatigue or cognitive issues are commonly attributed to ageing or stress instead of nutrient shortages.

Common medications

Proton pump inhibitors e.g. omeprazole and pantoprazole are widely used for gastric pain, acid reflux and ulcer disease.

By reducing stomach acid, these drugs reduce symptoms and encourage healing, but stomach acid also plays a key role in the absorption of critical nutrients.

Persistent application of proton pump inhibitors has been linked with impaired absorption of vitamin B12, magnesium, calcium and iron in the long term.

This could lead to anaemia, nerve symptoms, muscle cramps and a higher risk of fractures over time, especially in elderly people.

Metformin, which is the most prescribed drug of choice for type 2 diabetes, is another well-established example.

Long-term use of metformin has been well-established to decrease vitamin B12 absorption, leading to fatigue, tingling or numbness in the hands and feet, memory and concentration problems, and further peripheral neuropathy.

Vitamin B12 is not regularly monitored or supplemented, which leads to symptoms attributed solely to diabetes itself, and leaves the deficiency untreated.

Statins, often prescribed to lower cholesterol and the risk of cardiovascular diseases, present nutritional problems too.

Such medicines suppress cholesterol production by blocking a metabolic pathway that also produces coenzyme Q10, a key ingredient for the formation of energy in muscular cells.

Lower levels of coenzyme Q10 can give rise to muscle pain, weakness and fatigue – effects that can also cause people to stop their medications without medical guidance.

The use of hormonal contraceptives utilised by women, has been linked to lower levels of several nutrients such as vitamin B6, vitamin B12, folate, magnesium and zinc.

Not all users are affected but chronic use may affect mood, energy level and tolerance for stress in high-risk individuals.

Diuretics, which are the medications commonly used for conditions including hypertension and heart disease, raise urinary potassium, magnesium and zinc losses.

Deficiencies in these nutrients are observed as muscle cramps, weakness or abnormal heart rates, especially among elderly patients.

Corticosteroids, like prednisolone, which are administered against asthma and immune-mediated diseases, inflammation or inflammatory disease disrupt the metabolism of calcium and vitamin D, leading to calcium deficiency and bone-wasting.

Osteoporosis is becoming a growing problem among older Malaysians.

Meanwhile, the prolonged or frequent use of antibiotics can disturb the gut microbiome, which is essential for the synthesis of various vitamins, such as vitamin K and several B vitamins.

This imbalance, known as dysbiosis, may negatively affect digestion, immune system functionality, and the absorption of nutrients even after the completion of antibiotic treatment.

DIND are frequently observed yet frequently go unrecognised in clinical settings, despite their widespread nature.

The symptoms associated with these deficiencies are often vague, routine blood tests may yield normal results, and the onset of deficiencies progresses gradually.

Additionally, consultations with healthcare providers tend to focus on disease management rather than evaluating nutritional health.

As a result, numerous individuals experience persistent symptoms that could be alleviated and prevented through proper nutritional intake.

The role of supplementation

Supplementation, when applied correctly, serves as a strategy for correction and prevention rather than a substitute for evidence-based medicine.

Its objective is to restore physiological equilibrium, assist metabolic processes, mitigate the long-term impacts of diseases and the side effects of medications.

It is crucial that supplementation is tailored to the individual, taking into account clinical evaluations, medication history, dietary habits and when necessary, laboratory assessments.

In short, supplements are not lavish goods but serve as protective or corrective tools, especially for people with chronic diseases.

Supplementation should be subject to regular review and used alongside, not replace medical treatment and a healthy diet

When used wisely and correctly, supplements help support the body so that medical treatments can work more effectively and overall health is preserved.

Datuk Dr Nor Ashikin Mokhtar is a consultant obstetrician and gynaecologist, and a functional medicine practitioner. For further information, email starhealth@thestar.com.my. The information provided is for educational and communication purposes only, and it should not be construed as personal medical advice. Information published in this article is not intended to replace, supplant or augment a consultation with a health professional regarding the reader’s own medical care. The Star does not give any warranty on accuracy, completeness, functionality, usefulness or other assurances as to the content appearing in this column. The Star disclaims all responsibility for any losses, damage to property or personal injury suffered directly or indirectly from reliance on such information.