By the way, i get a different explanation by friend.

Let say u invest rm300 per month, and rm3.6k per year, according to the HLA u will get a bonus around +-rm400 (10%) per year.

the rm3.6k per year will have compounding interest of 4.5-6.5% per year in additional to the bonus of rm400 paid.

while every year if u plan not to taken out your bonus that worth around +-rm400, you ll get additional 5.5% interest (amount not guarantee) on the rm400.



This post has been edited by Alexdino: Feb 4 2010, 10:26 AM