I am very puzzled why the dividend difference of conventional vs shariah is only 0.1%. While the official explanation given was technology stocks performed very well in 2023, does it mean conventional epf fund not invested in technology stocks? That wouldn’t make any sense. And if conventional fund did indeed invested in technology stocks, and coupled with banking stocks then conventional fund return should outperform shariah by higher percentage. Any idea why Sifu Chen.
@leolow20578 ай бұрын
Political tools
@user_cv8wysmstt8 ай бұрын
Maybe both invest in technology stocks?
@kenwong88228 ай бұрын
The conventional return definitely more than 5.5%, possibly they pump the partial return into shariah so that the gap not so obvious??
Given the situation that the Ringgit has depreciated 50% over the last 10 years, and EPF dividend yield is only around 5.5%. The dividends that we receive can only offset the Ringgit's depreciation. There is nothing to gain from saving money in EPF. I will withdraw all my EPF money when I reach 50 & 55 years old respectively. Look that how the government borrows money, every year they need to borrow more than 100 billion Ringgit due to budget deficit. Therefore, I do not see any hope that the Ringgit will be able to strengthen in the future.