1. no unit trust is protected by PIDM. so nope, not protected.
2. final returns depends on the market. nobody knows what will happen 15 years ahead. worst case scenario, you lose all your money.

self contribution into EPF?

bond funds. you may try exploring FSM thread.

PRS max one should buy is RM3k/year. Also don't just simply buy. Buy the right one can you can beat EPF return. Buy the wrong one, you get FD normal rate/worse than FD normal rate.

All unit trust in malaysia is not PIDM protected.
If you want safe, pseudo FD, Amanah saham fixed price fund. Buy and sell units at RM1/unit. Some considered it a high interest savings account, I considered it FD on steroid. 

Keep in mind it's a political fund. It was created to help people. You will beat FD rates. You may beat EPF rate. Expect min returns to be 6% pa. Even though it's priced at RM1/unit (theoretically making one unable to lose money), it's not PIDM protected. There's also opportunities cost. Eg. put into kenanga growth fund can nett you say 15% pa. But also (-) return pa (depending on how is malaysia economy). But with amanah saham fixed price, you will get 6% a year only (regardless the economy as it have been shown numerous time already)

There's no shame in putting money in amanah saham. Some call it kiddie pond but everyone starts somewhere. I started with board rates FD > promo FD rates > amanah saham > Unit Trust bought via FSM > Singapore reits and stocks (this is more of dividend investing + collecting real SGD cold hard cash + singapore unit trust (since I am going to move out my UT out from FSM MY as in the long run my view is that RM will depreciate against the SGD)

Go hang out at FSM thread and you will learn bunch. I learned from there before daring to make the move to SG UT.

One word of advise:
1) avoid those agents selling you insurnace savings plan, unit trust. You will lose more money while they will make more money.

Yes. There are 3 amanah saham fixed price funds for non bumi. ASW2020, ASM, AS1M. Stick to these 3. The bank agents will try to sway you to open ASG, ASN3, ignore them. Stand firm with these 3. Even retirees I know dump million into amanah saham fixed price. Go update the book once a year and don't need to monitor (a perfect investment only found in malaysia )

Amanah saham thread can be found here
https://forum.lowyat.net/topic/4183284