Aiyaa.. Can transfer back online.
I did mine Jan this Year delaying because of Ah Jib factor thus incurring 10K losses.... Cissss

You guys understand this is investment right.....?

Profit and loss.

The right strategy can improve the winning rate of a Investment.

If you see negative then stop the 3month withdrawal period you gotta wait longer time to recover back.

You gotta keep doing it every 3 months.

Those who can tahan, they actually smiling all the way.

(Provided you or your consultant knows how to pick the best fund of its category)

Thats why you need to

1) Keep emergency funds of 3-6 months (or even more depending on your age and dependents that you have). This can be a 1 month FD and some money in savings account.

2) A portfolio of investments.

Some X percentage in safe assets such as ASN, FD, and bond funds, and a large % in EPF.
Then Y percentage in more risky assets such as equity UT, and P2P.

3) Important to rebalance every year.

Every time your equity fund goes above a certain percentage that you plan. Then sell part of your equity UT to the % that was planned and invest that amount into safer options such as bond funds and FD. You do this vice versa also when UT equity drops and then sell part of your safe investments and then buy the more risky assets. Thus, you follow the saying buy low and sell high.

One also rebalances due to changes in our lives and as we age closer to retirement. As we get closer to retirement. We want to increase X% and reduce Y%.
Number 1, 3 and X% in safe investments are meant to protect our risky investments. One only invest in Y% of risky investments when one can afford to hold until a better situation.
For more information, you can check youtube videos on emergency funds, how to invest in mutual funds, unit trust rebalancing, asset allocations etc.