There is no capital growth for SPK. You just get the annual 2.5% dividend however your money is guaranteed as the government will indemnify you for any investment losses. The investment of the SPK fund is managed by MOFE and I assume it is handled by the BIA.

there have no transparency policy. you cant ask and they wont answer anyway. they do whatever they want with the public money. they wont even take any accountability for bad investment that they make. imo, 2% is wayyy too low.

It's a pension scheme. Not an investment. So there's no capital growth. It's there to help those financial illiterate lot from total poverty when they're old.

I don't think there is any transparency about this. I won't be surprised if they just put in the bank and get dividend from the fixed deposit every year. I also won't be surprised if they invested it and it makes a loss and they have to top up with extra money to pay the dividend each year. Who knows what happens in there since there is no transparency, not even general or broad guidelines?

It would be funny if the SPK funds were invested into the companies that people are trying to boycott over Palestine. Companies like Intel, McDonalds, etc.