1. After reading all the threads regarding investment in Unit Trust particularly with Public Mutual, can anyone here shed some light with empirical evidence that suggests investing in Unit Trust is far more profitable than leaving our money in EPF account?

2. As we understand it correctly, EPF will pay dividend every year which Gov guarantees of not less than 2.50% and as a matter of fact over the last 11 years, EPF never declared dividend lower than 4.50% (with the lowest registered in 2008 at 4.50%).

3. With this compounding interest (dividend) over long term in EPF account and bearing in mind that our principal at any point in time shall not be subjected to diminution in value plus we don't have to monitor our account for switching requirements and what not.

4. Assuming if we invested one-off amount (lump sum) in 2008, by right until 2019 the amount would already double in value ie. with 100% total return if we remained the same invested amount in EPF (calculation: 1.045 x 1.0565 X 1.058 X 1.06 X 1.0615 X 1.0635 X 1.0675 X 1.064 X 1.057 X 1.069 X 1.0615 X 1.0545 = 2.00 = 100% return).

5. Is there any fund under Public Mutual or any other UT companies can top that without making any switching every now and then???

6. My point is UT companies and UT consultants are all suckers to confuse investors with terms like dollar averaging, long term horizon, switching here and there while without fail they will be collecting fees every year regardless of the return be it negative or positive....

7. At the time when our investment registers positive returns, no consultants will advise us to realize our profits!!!! Unless we monitor ourselves on our portfolios!!! But what the heck if we were to do it when we can rest assured without doing anything in EPF account, our money will surely grow.....

8. OPEN UP our eyes (including mine) wide open and assess it objectively, figures don't lie!!!!!

- Frustrated Investor in PM Unit Trust -

Then might as well as you become a fund manager if you needed to constantly monitor the market and make switching every now and then. Besides, how can we make comparable analysis on our portfolios return if we switched from one fund to the other, what I mean we cannot single out all funds that have higher annualized return then compare with EPF annualized return. Comparable analysis is by calculating our portfolios annualized return versus EPF annualized return.