wanted to type alot, but offend too much if likewise expose all.
it's a very sensitive issue towards malaysia economy n political issue.
it relates alot of benefit party, n best part is, the last person to benefit is those who 'purchase' this scheme.
n impact is huge within malaysia n malaysian who tend to 'invest' in it.
it's an investment scheme in d end.
make sure after reducing this money from ur epf or salary.
retirement reaches u still have enuf. else might as well just use what u have on hand.
very very sensitive....
personally to reply as a friend, dont get into this plan @.@

not positive <--- for me.