Public Regular Saving Fund focuses on many blue chip stocks and companies listed on Bursa Securities, which is purely a malaysian/ local fund and does not have currency risk.
Quite an old fund, since 1994. I would say it is stable and only if u are ok with quite a long long term saving/ investment period, although there is no commitment to it.

The longer the unit trust are held, the downside risk will be lower. Basically they are looking at average annual return of 10% per year, over 10 years. Personal experience, some funds can give you 80%-100% growth in 10 years investment tenure, provided you have the mindset of increase your savings and ok with lower risk lower return.

Hey, How's your experiences in Bond fund? how's the return? is it similar to Fix deposit , although I know their mechanism is different.

Thought it brings you satisfaction, coz u mentioned you prefer bond fund rather than equities.

If you asking about 6% only, I personally will say yes, which most of the funds that I know can achieve more than 60% growth within 10 years period.

I am even more curious if there is any other suggestion (of investment tool) from you, to address your question: does that extra % justified the extra risk?

Well risk is always unmeasurable, same to "potential profit return", at the same time the risk is to be controlled and managed, considering the nature of how unit trust works.

there are people enjoying more than 100% historical return after investing for 10 years, however there are still other variables that will affect the rate of return so there is no definite answer and any guarantee for that.

never try never know mah, then forever curious, no professionals can firmly tell u guarantee can get 8% annualized return, because this is not MLM or money game. If you have unit trust agents approach u, try ask them for "real" individual investment results, some of them might keep it, but of coz will not disclose the info of account owner.

or you may refer to the public mutual Fund Performance Charts.

Equity market is really bad right now, personally I saw that Eastspring also having bad return (in term of unit price) right now.

Or maybe those fund managers are just not doing a good job?

sarcasm attracted. oops.

LOL, many agents here lahh adik.