But last year, conventional epf gave much higher dividen compared to shariah, also not fair what lol

Who the hell knows that going syariah will get lower.... No one tell this to anyone nor can predict the future. If one know sure think twice lor before change...

The drawback is it is unlikely to get available fund during this time.

Still higher than asm no?

Yup. Once u have a house loan, your account 2 is basically accessible if needed.

I would add AHB too after asb. consistent dividen so far.

Exactly, stock needs luck, and lots of research as well. U can invest in etf first if you want lower risk and diverse portfolio, before trying to pick your own stock.

Those bad at picking stocks wouldve registered negative returns hehe. 6% is better than epf and asb, so not too shabby.

As long as u didnt sell, its pretty much just on paper and not realized, so its not a loss.

Yup, if u need money, and market is bad, u will have to sell at loss.
Higher return, higher risk.

I get why people switch to asm1 as historically it gives better dividen. But to switch back and forth just to get earlier dividen doesnt make sense, unless u needed the cash. Has anyone calculated whats the benefit in the long term?

But if your dependants are not investing savvy, theyll just withdraw all the money to spend anyway hehe.

Or inherited from rich parents.

Withdraw RM100.13, itll round up to 100.15, get back your 2 sen

Well you said to leave the cents. So my suggestion is to withdraw that to get back your 2 cents, wouldnt matter whats the balance anymore since you are going to leave the cents anyway.

Not so no brainer anymore. Asb dividen 5.75, asm1 might see higher dividen also.

https://www.bharian.com.my/berita/nasional/...alam-lima-tahun

Got unit to topup asb3? I tried recently and cant top up. So in goes to asm2