For the past three years, KWSP-MIS UTF(s) were doing double digit growth. If you have not participated in it, that is an opportunity cost loss.

Xuzen

Did you invest in shariah compliant funds? These few years been really bad for shariah equity funds

If you are a bumi, might consider asb & asb2. Both of them give 7-8% p.a

2H Yr 2015 till now; a lot of hot funds are down....

But think of it this way; We all know that KWSP is heavily exposed to Malaysia large cap and Malaysia Gov Bonds. So, if you participated in KWSP-MIS program, it is wise to choose small cap and corporate bond exposure. This is what diversification is all about.

If you have bought into KWSP-MIS that are exposed to Asia-Pac ex-Jp, you will see significant loss, if you see it from a myopic point of view. But if you were to think along a bigger picture, it is not usual to have all the region down at the same time. And if it does, that position will change very quickly.

So, to change your view point a little, think along this way: You know that most Asia-Pac ex-Jp fund is down, but KWSP is not. That is the beauty of diversification. Imagine if your retirement fund is 100% in KWSP and for a certain reason M'sia economy were to tanked like Greece (unlikely to happen), your loss would really be disastrous.

That is why for long term retirement planning, having exposure to various asset class and geographical region is a good risk mitigating strategy.

Xuzen

wait, you didn't know that you can invest in asb2 using your epf account 1?

i already did that...and aiming to invest 199k using epf, another 1k by cash because i plan to do the Hibah