Hi im interested in buying some, but I dont know which product is the best for me. Im a non-bumi so that leaves out smaller options for me. I have like 30k or maybe more to dump in lump sum, and afford to risk losses, and hold on up to 5 years to see the capital gain. I am only 22 and lack of experience on stocks, etc. So far I see PNB fund provides a relatively safer options and higher return than FD. Can advise me on which fund should i choose? I thought of splitting some cash here for pnb funds, and leave the rest for unit trust.. The return statistic looks too good to be true, most are >6% as average, why do most ppl rather putting money in FD than this?

I think i put 40k in asg, divided to kesihatan and pendidikan. Dont know why the bear such weird names lol.. Assuming return is 6.5% constant per year, i calculated in my spredsheet i will breakeven in ~2 years time..

Also I am wondering is there any fraud cases involved in PNB funds before? Sometimes its too good to be true extra 3% compared to fd without risks