FYI, found out that Public Mutual is really not earning due to agent only concern to "fulfill" her quota, ask another friend to calculate EPF earnings against Public Mutual, if kept in EPF I would have earned 20K or more, Public Mutual, I'm losing....lesson learned. Withdraw from Public Mutual and diversify in FD where it is safe with PIDM. Just my 2 cents on Public Mutual and not helpful agents.