waht else is missing, i want to backup before upgrade it.

tkhs for the info's.

the memo said, only the EPF comparison will be removed. i already backup those.

tkhs for Q.

advise.
1. understand waht is UT including involve RISK.
2. plan or goals like retirement, education etc. AND DONT OVER COMMIT.
3. choose the funds which is cater with ur risk tolerance.
4. action. lump sump or regular.
5. stick with plan until you achieve it.
no recomend.. only suggestion.

islamic funds... go for EPF aprroved funds (eventhough u invest with cash). u can consider the newly launched local islamic funds (less than 3 yrs)  as well. for ur info, most of the funds perform similar for me. if ur priority for annual income... go for income/divdedns funds...... for capital gain..... go for aggressif growth funds. both has diff investment objective.... and ur obbjective should be similar with funds too.

if u too concervative (too much worry abt losing ur capital)..... better go for sukuk.
ur age?
ur risk tolerance?conservative?
what is ur plan?retirement?

i think is not a good idea to invesst in UT to settle the housing loan.

unker wong can suggest better way to u.

wong need ur help here.

or if u still prefer UT, maybe we can plan for it.

sukuk may give returns similar to EPF with lower risk.

waht is ur time frame?

koff koff.. old unker here
Ano.. 3 years time horizon?
IMHO, better to get into stocks (normal good ROEs, low D/Es OR good REITs OR China ETFs are a possibility as well) than equity mutual funds due to the comparatively high service charges.
These service charges, though if done long term (ie. waaaaay more than 3 years), can become more cost effective than direct stocks investments due to $0 cost or $xx negligible cost to move/switch tens of thousands to hundreds of thousands of $.

Due to the cost factor AND averaging (it's akin to buying a basket of stocks) returns, 3 years deadline is cutting it way too short AND to do it, most probably U'd be doing a lump sum in/out, rather than consistently doing DCA or VCA. Personally, i don't think equity mutual funds are the right vehicles for lump sum and short term combination.

Perhaps a mixture of bond funds + stocks. The mixture however depends heavily on one's risks appetite and capital available to achieve $300K in 3 years.
Heck, if i have $250K capital now, sup sup water lar BUT if i've only $50K now... heheh going to be an uphill battle AND may be taking on extra risks JUST TO TRY TO HIT $300K in 3 years (ie. may be suicidal risk trying to achieve such growth in 3 years).

Just a thought

sorry to say taht not able to help with short time period via UT  base on current market condition. unless like 2008/2009 when KLCI drop to around 800 points. and PRSF recovered until now 100%++. but need to put rm150K on that time.

1. waht u can do is go for bonds/sukuk funds with minimal risk. just accept waht u can get from it.
2. another way, like unker wong suggest, go for penny stocks. but dont simply hantam. learn first. even with min rm10k u can achieve ur target less than 3 yrs, if u choose the right stock at right time. go to stock market treat, u will get some guide/tips from there.

my advice;
be careful in stock market, u may lost ur capital as well.