Hi sifus.. its a very noob question.. Is it a good choice if i invest in PM using my EPF. I am 32 yrs old and have excess of 80k (from EPF basic acc1 limit). My monthly EPF contribution is about 3k (me+employer). Is it a good choice if i start with 10k and DCA 5k (every 3months) for 10yrs period? As a starter. I dont want to risk losing my already accumulated EPF and my risk tolerance is also very low.

My main idea is to explore the Mutual Fund, and I think to invest using cash that I put aside. But when i met PM agent, she told me that it is better to invest using EPF and in long run with constant DCA, sure will not losing money and will give better return. That is why I am in dilemma wthether to
1) Use EPF or cash as start
2) Is the agent telling me the right things?
3) Is my plan is OK - (if use cash, I have 20k (and my plan is 2k initial, monthly DCA 300 for 5yrs) which I am OK to lose and at the same I will learn about mutual fund.
4) I have also offered by my friend who is an agent of Philips Mutual. Therefore, Where is the best place to start (PubMut, or PhilMut).

I already have ASB1 and ASB2 account with total saving 400k (from some ASB loan & cash). I have made a plan years back to maximize my ASB then only try Mutual Fund, in search of slighty higher risk and return.

Thank you so much for your kind reply. May god repay ur kindness with great success..