Lol 8% is easy, some can even go up to 10-20%.

The thing is, is it guaranteed?

EPF is good is because it guarantees a minimum return of 2.5%, so it will never go below zero.

8% return is totally doable.. Some even get it higher.

With two condition ;

1. The agent must be PROACTIVE.
2. The RIGHT fund are selected.

If the agent are passive one, then it's better to just leave it in EP£ account.

Mind you, EP£ are outperforming their promise in term of dividend/return, which is they must give at least 2.5% return annually.

(Spoiler : EP£ are government Bond Fund. Bond fund can promise minimum return.)

Promising return of xx% to the client is wrong. For example, somebody said "I guarantee you 10% return p.a".

But if he/she said, "I will do my best to get up to 10% return", then technically it doesn't break the rules.

i want to share my unit trust experience, not public bank but with CIMB which i think everyone should know and be aware
i start put into unit trust at 2015 and i waiting exactly 5 years or more to provide this review

my conclusion is unit trust is only fund manager make money (short version)

ok here comes the long version
so 5 years ago May 2015 i go meet up with an agent and open account, sign some form, do some thumb print and only invested RM10,000 from my EPF.

I buy into Fund Principal Titans Growth & Income Fund (one of the hot hot fund that time)


Now after 5 years my hard earn RM10,000 only got a total of 13.50% profit

Then i ask myself why only 13.50% of profit since every year annual report show earn money most of the time except for 1 of the year where it is -10%
Below chart show from May when i buy in till now in July



If 5 years ago i did not make such decision to put money into unit trust, you know how much the RM10,000 will become?
The answer is RM13457.39 which is a 34% profit instead of now 13.5% profit



So i further investigate and dig deeper with FSM tool and the tool say i should earn around 16.5% so where the 3% go to?


Here is the answer, last time 5 years ago invest with EPF they will charge sales fee of around 3% so 16.5% - 3% become 13.5%
Again all this is just estimate

My conclusion is we take our money to let fund manager earn more money than we do
only invest in UT if u have a good and reliable agent who can help u to manage

er.. EPF is contractually guaranteed minimum 2.5%pa returns.
thus, in what context U mean "no guarantee"? note - the post U replied to already stated the 2.5%

https://www.kwsp.gov.my/dividend#DividendRate
For all your contributions, the government guarantees a minimum paid dividend rate of 2.50% for Simpanan Konvensional.