just to bump for those who might interested to buy/invest/subscribe
5 word

dont even think about it

even with guaranteed price upon maturity
i lose about 10% of my capital

i was young... haiz..

Partly it is sorta like insurance but afaiRemember, the agent told me 99% of the money invested are for the fund (this the main reason I'm interested "invest" with them, wanted to diversify, before knowing fsm. Damn I was young and naive back then)

While
With guarantee, higher than as of current price for the fund
As of now, guarantee at around rn1.45 while the current price for the fund is around 0.84
Wow.. >50% of current price.. should be profitable.

But

Even so, due to their "fees", I'm still at >10% loss.

My DIY fsm portfolio lose not more than 1.9% and this is during the uproar of trade war.

Oh ya, and the agent told me the period is for 3 years but luckily I keep track and upon checking, it is for 25 years!! Yes I am dumb for not checking before signing but luckily I kept evidence that I wanted only 3 years and that agent promises it is only for 3 years.

So after some huha, finally manags to keep it at 3 years.

So for those who are interested, please think thrice.