Government Pension Fund

A Shariah-compliant investment plan follows the Islamic principles of finance and aims to achieve relatively higher returns. Investors should be aware that the plan may experience moderate-to-high price volatility over different periods (with the possibility of short-term losses), in exchange for the potential for higher long-term gains.

Characteristics

This investment plan adheres to Islamic Shariah principles and aims to invest in Shariah-compliant equity securities, mutual fund units, or other related financial instruments, not exceeding 60% of the portfolio. The remaining portion, not less than 40%, will be invested in fixed-income securities, mutual fund units, or other related financial instruments.

A portion of the portfolio may also be invested in deposits or short-term debt instruments solely for liquidity management purposes. All securities selected for investment must comply with Islamic principles.

Returns and Volatility

The expected return is moderately high and subject to fluctuations. There may be occasional negative returns in some years; however, over the long term, the plan has the potential to achieve a cumulative return higher than that of standard investment plans.

Target Investors

This plan is suitable for members who wish to invest according to Islamic Shariah principles, possess investment knowledge, and can tolerate short-term volatility. It is ideal for long-term savers or younger members who have a longer investment horizon.

Investment Choices

Shariah-Compliant Investment Plan