[sgbuffett]

It is not the percentage game it is how much the currency can buy goods and services for the same dollar. EPF is Msia MYR cannot F now one economic rice depends where you live easily MYR 8 - 10. So what if you got 6% can the increase buy more? If cannot then in a way you rugi more. But argue with ppl got face as 6 is bigger than 4.08 and those no brains cannot think further will agree.

The return of 6% has to be compared with inflation in Malaysia.

If there is zero inflation, 6% is very good ....if there is 7% inflation 6% is very bad.

Malaysia inflation rate is 2.49% in 2023.
Singapore inflation rate is 4.8% in 2023.

That 6% is good  vs 4% we get because it beats inflation there  more.

As for fall of MYR vs SGD. The currency exchange is only relevant when people travel across borders to spend. 
If you are a Malaysian spending your MYR in Malaysia you are affected only by inflation rate in Malaysia.