I bought Evergreen 2035 for 2 years now. Based on the guaranteed price upon maturity, I still lose about 25% of my total investment.

According to the agent, I can choose to pay only for the first 3 years.
And before maturity, I can top up anytime and still get the guaranteed price upon maturity.

Meaning before this fund end, let's say the unit price is RM 1.00 and guaranteed price is RM 1.20. I can top up before it ends and enjoy the RM 1.20 guaranteed unit price.

I'm not sure how true is this. Anyone can confirm?

Anyway, I have a recording and whatsapp message with the agent as backup.
If it is not what he explained to me, I will need to ask for a full refund.