if for your kids
try SSPN?
got RM6000 tax relief
https://forum.lowyat.net/topic/3603912/+120#entry82257347
http://www.ptptn.gov.my/web/english/savings

for others try this
http://www.moneysense.gov.sg/Financial-Planning.aspx

https://www.fundsupermart.com.my/main/school/school.svdo

what is the SC?
4.5% ~ 5% pa guaranteed like FD without the headache?

at that rate and with lockin period, then not for me...maybe is ok for you...you have to decide on your own if it is ok or not.....
I cannot advise thus cannot response to your query.

daily?

I am not sure about others...for me, there is a better winner in the Small cap segment


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since you are willing to pay 2.5% SC to CIMB CLICK......
why not ask them, from there you can see whether you can get extra service or not....

depending on the time you placed the order and the cut off time practiced by the company.....
normally when you placed and order, the system will tell you the "Transaction Date"...that is the date that are effective.
but the actual published NAVs will be day(s) later.

Q: When will I know about the price I get?

A: Most of the unit trusts in Malaysia are priced based on "forward pricing". This means that if you transact today, you will get the fund’s value as of the closing price of the market today. However, you will know the price in two working days
The price that you could see in the website is the so-called 'indicative price'. This is usually the price of the fund two working days ago. This indicative price is NOT the actual transaction price of the fund that you are buying or selling.
Generally, the fund manager requires approximately two business days to consolidate and derive a unit price for the funds. These prices are further valued independently by the fund's trustees. Therefore, the dealing price will be made known to the public two business days after the transaction date. Once we obtained the price, an email notification will be sent to you.

This post has been edited by T231H: Dec 25 2016, 01:55 AM

I got no idea...you have to ask poster of post# 2429

while waiting for responses,,,,
you may try read this.....
hope it can provide some added info while you wait.

http://www.cimb-principal.com.my/fund_pdf/...Income_Fund.pdf

http://www.cimb-principal.com.my/fund_pdf/...come%20Fund.pdf

use this tool?
http://www.cimb-principal.com.my/daily_uni...aspx?fundid=047

good moves...many people are do that....

something to ponder about....
up to you to decide.....


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I hope you got the meaning of "right" there right. some people don't.

well for me, I will just wait for it to grow, not just grow, but grow in tandem at the rate that is almost similar, similar or better than it peers of similar mandate over a period of let says...1 yr,....if the results is within the same as its peers, then I will monitor it for another year, else I will monitor it in another every 6 months......
if after 2yrs it is still not as good as it peers...I will decide the dump it off....not just for its performance but maybe for its volatility that is not my cup of tea.

you can use till to check.....
http://my.morningstar.com/ap/quickrank/default.aspx

btw, are you just buying 1 or 2 funds or setting up a whole portfolio?

most of them list here may help....
https://www.google.com/?gws_rd=ssl#q=fund+m...ysia&*&spf=1441

try contact them

I googled and found this....
http://www.eastspringinvestments.com.my/?r...ageid=1&fn=E064

and
http://www.eastspringinvestments.com.my/do...d%206%20PHS.pdf

then from there....stated....
5 yrs locking period.
there is a initial sales charge of 3%
early termination /withdrawal will be another 3%
and a list of risk in this product....

then you can try this too....
suitability assessment questionaires...
http://www.eastspringinvestments.com.my/do..._Individual.pdf

did that bank Manager explains the risks, the charges, early redemption penalty and etc, etc to you or ask you to try the suitability assessment questionaires?

This post has been edited by T231H: Apr 11 2017, 07:58 PM

why don't you are the bank manager what does it mean safer?.....does it mean your investment will not be under your name but the bank's name and the bank will hold for you?

if you want and really want it....try get from them
http://www.eastspringinvestments.com.my/?r...tional&pageid=1

I think 4.35% is good considering it is FD + with PIDM protected up 250k.

while waiting for responses about your intention to go into fund investment...I googled and found this....
hope it can provide some added knowledge while you wait for responses....

School
If you're a novice investor -- or you're looking to brush up on a specific investing concept -- this is the place to start. They've tailored this section to give you the investment foundation that you need. 
They believe it is important that you first acquire this knowledge, because only then would you be able to take charge of your own financial planning and be great at managing your financial wealth. 
Those of them there at Fundsupermart believe passionately that unit trusts are the best investment instruments to help achieve our long term financial goals. So here, they'll show you the basics of financial planning, tutor you on the finer points of unit trust investing, and help you make better investment decisions!   

https://www.fundsupermart.com.my/main/school/school.svdo

just to add more....
Private Retirement Schemes in Malaysia – Risk Factors
https://www.imoney.my/articles/prs-risk-factors

self contribution into EPF?

with capital protection/returns guaranteed?....
let me know if you found it....

bond funds are not capital or returns guaranteed......