Are you telling us all Unit Trusts are sure lose money products?
Sure EPF is good, but i also find UT making money (for me) as well.
must diversify what..

may I know the reason? 

In liao

This...the mightiest Ponzi fund of all, skim gerenti takkan rugi

To the skeptics of member investment schemes e.g. unit trusts, well, there's no free lunch. U wan potential higher return, u bear higher risks.

In liao tenkiu Najib

EPF is among the best managed Ponzi fund In Malaysia

Hahaha, still long way more, but if I don't simply take money out, this can be done.
Keyword here is don't simply use your EPF money unless BR > 10%.
with a dot in the middle, so not that much    

Funds outsourced by the Employees Provident Fund (EPF) to external fund managers rose 19% to RM86bil last year from RM72bil in 2013 as part of its diversification strategy.

EPF chairman Tan Sri Samsudin Osman said the outsourced funds were invested in both equity and fixed income instruments, representing approximately 14% of EPF total investment assets.

“We hold fast to our objective of achieving a real return of 2% dividend over a three-year rolling period.

“We continue to explore into higher yielding assets such as equities and real assets as well as diversify our investment using a multi-asset class approach,” he said

Do you do remember how to create id and password for the i account?

Epf kiosk!!  Alamak..  Means need to go to kwsp office la.  Shites...

Epf kiosk!!  Alamak..  Means need to go to kwsp office la.  Shites...

I noticed the epf kiosk at the ocbc bank at my area always offline punya..  Boring betui