He is! I think he was selling to family members too. 

This is how I look at the charges:
1. Annual management and trustee fees. This is hidden. I don't pay for it out of my pocket. What I don't pay, doesn't bother me.

2. Service charge on each new purchase. It's a long term investment. (Till I die; and possibly transfer the funds to my spouse and family). If amortized, it's next to zero per year.

3. Don't love your money too much. Else you will only think about the costs, and never the returns.

Cheers.

Have anyone with double thumb print broken trying to invest with EPF? I got a form KP12 from JPN and am going to invest using EPF. My question is - apart from the KP12 form and necessary sales form, what other special form is require by Public Mutual in order to withdraw the cash?