Cool. Planning to sell off and wait for market to crash..... 

Ermm..... I never said it will be next year. I have been waiting for market crash past fews years actually. Based on the cyclical nature of stock market, crashes are bound to happen but comes when nobody expects them. So, as I don't depend much on these instruments as my main source of income, I think I better sell off and wait for the right opportunity. There are some people who thinks that the big one will come soon though....

hi, my bank account receive 1 sen credit from public mutual,


i did have mutual account but didnot have any action at all for months.

is this normal? since lately many bank fraud, started with just some unknown transaction.

How to do unit redemption thru Public Mutual Online (PMO)

1.) Login to PMO site.
https://www.publicmutualonline.com.my/

2.) Go to Account and select either Cash or EPF Scheme

3.) Select Switch/Withdraw

4.) Select Yes to proceed

5.) Select which fund you want to withdraw

6.) Enter how many units you want to redeem and then click Request PAC. You will receive SMS for the PAC No.

7.) After enter the PAC No, Tick on T&C section and then click Proceed.

8.) Click Confirm.

9.) Redemption request completed. The transaction will take a few business days to complete and reflect back within EPF balance.

You really got bamboozled by agent 😅 The point of i-invest is to take bigger risk because EPF is already safe and pretty diversified LOL