Hi guys. I'm new to FSM and investment. Do you guys have any recommendations on which funds I should invest into for a starter? Or should I just invest into FSM's recommended funds?

Some side info:

- I have 1 month emergency fund, so I can take some risk (moderate?)
- Funds must be Shariah compliant
- I'm looking to invest for 3 years

No worries. What I mean is that I have 1 month emergency fund in my savings account. I'm planning to invest a small portion of my salary monthly, not my EF.

Also, is it worth it for me to contribute into PRS fund starting now? I'm currently in my mid-20s. I'm planning to put around RM50 - RM100 monthly into PRS to get the RM500 incentive in 1 year (or is it RM1k now?) and get tax relief.

This post has been edited by imnotabot: Oct 24 2016, 01:33 PM

Is it worth using EPF to invest in unit trust?

Also, if I invested in a fund using EPF, and in the future I decide to sell it, will the money go back into EPF or into my pocket?

Hi guys. Not sure if this is the right place to ask this, but it does have something to do with investment. My question: hypothetically, if I'm earning enough every month to save 30%-50% of my income, is it a good idea to contribute just enough to PRS and SSPN/SSPN-i (I have a child) to maximize the respective RM3,000 and RM6,000 tax reliefs every year? From what I understand, PRS and SSPN/SSPN-i are both tax-deferred investments right (same as EPF)?

This post has been edited by imnotabot: Dec 21 2016, 03:59 AM