As expected, EPF delivered the lowest returns in years at 5.45%, slightly higher than the worst in 4.8% during the economic crisis 10 years ago.
Personally I think the returns are considered ok given the fact we are living in times of low interest rates and economical uncertainty. EPF's funds have balloon until 900 billion and it is quite hard to replicate past success with such a huge amount of money.
Interestingly, the EPF Shariah fund only had 5% returns. Since the launch of a shariah compliant fund it has been under performing from the conventional fund.
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