Some muslim bumis don't prefer ASB because it is non-syariah compliance, even though Majlis Fatwa Kebangsaan stated that it is "harus". Most of Malays around me put their money in Tabung Haji even though the return is just around 5%, or lower.

How can AHB own Tesco Setia Alam which sell pork and beer when it is a shariah compliant unit trust?

Your wife is a clear example of muslims' perception regarding ASB fund. AHB might be a good choice of fund for both of you then

There is a choice. The saving of money in EPF is not against Shariah laws but accepting the dividends is. So reduce the dividends by using the EPF money for house purchases and computer withdrawals or whatever that EPF allows for. Why keep more money in there to earn more dividends?

How many Malays who have invested in Gold Savings Accounts actually withdraw in gold bullion? Most (if not all) prefer to get the profits in cash. Even i do. And even if they withdraw the Gold bullion, its also considered haram by Shariah law since the gold bullion is a result of profits gained which are about 15% per annum based on current prices. If ASB is haram then Gold Bullion should be the same.

Im not here to educate anybody about Shariah law. Im just not in favour of double standards especially when it comes to religious beliefs. Most ppl pick and choose which part of religion to follow when it should be all and sundry. I also think its silly to bring Shariah into every damn aspect of our lives. I think that if you really wanna do the right thing, then use the returns from interest or dividends to help the poor. Shariah law in itself is pure and encompases many important aspects in Islam. Its those so called 'religious experts' who damage the true meaning of it.