Go to a bookstore looked for a book namely the EPF Act..

It stated that the government not only need to guarantee the funds in EPF, but need to also pay a minimal of 2.5% interest per annum..

What will only happen is when politics become unstable, our currency drops then inflation happens (as what we are experiencing right now)

So.. the end result, your EPF depreciates in value due to the inflation..

I trust EPF

Yape, i can imagine how regret i am to put my RM200 into my monthly unit trust fund which the value is now dropped.

The money works better for me in EPF, ASM and AS1M than that bloody fund.. Now can only depend on averaging method nia... 

2-4 years only give out distribution/dividend once for LESS than 1-2%
2-4 years only give out distribution/dividend once for 1-2% or
2-4 years only give out distribution/dividend once for MORE than 1-2% or
2-4 years only give out distribution/dividend once for 0%
from UTs funds....DOES it really matters?

you said "If you keep on buying, then it really does not matters, but you buy once only, it does matters".
how? what are the differences?
further more you just mentioned...."you keep on buy, buy and buy while the agents keep on make money"....isn't that contradictory?

..you-ah...
you mention trust fund in post 8,
asked about post 8 in post 11
you replied in post 30, i asked about contradictory in 31
now you compared with buying Share 

just wanted to fish for clarification....before judging if post#9 is true or not...

Post #10 (as below) did not mention about being cheated....it just mention the value is now dropped....(the value are mostly determined by the market performance)
as practiced, the investor has to declare by signing on the form (or "tick"for online) that he understood about the risks associated with unit trusts funds as spelled out in the prospectus before buying....
and in post#10, the investor are continuing to buy to average down......would he continue to buy if he felt cheated?

Possibility...
but the forummer of post#10 looks like "Old bird"...
too old to be cheated-lor...
if cheated, will he buy again? (he mentioned he put monthly into his UT fund)
btw,...in FSM or Eunittrust online UTs distribution platforms.....NO agent involved...therefore no agent to cheat and mislead by boasting how superior is that particular fund perform, I'm not sure how many people had bought from them....just read an article published in Dec 2005, that it has asset under management of S$300 million ...... generated by iFAST’s online division, Fundsupermart.com. (Singapore)...if the S$300 millions grew for 10 years combined with other FSM's operation in M'sia, HK and India PLUS Eunittrust platforms  .....the AUM would be very huge where - NO agent involves
https://secure.fundsupermart.com/main/artic...ion-In-AUM-1798

EPF didn't specify
http://www.kwsp.gov.my/portal/en/web/kwsp/...-statutory-rate

ya-lor..did not specified in the Form too.
googled and found that this had been asked many years back in one of the forum and the Admin provided the "best' answer...ha-ha.
http://www.mylabourlaw.net/forums/896-empl...ontribution.php

Read somewhere it is 19 or 20%. One can request their GOOD employer to increase this rather than raise pay so lessen income tax.

how u know can max until 25%? I didn't see it 
can help me point where u saw it

What if the person have "others" income not counted for