Default mode is credit to account. To get add to principal, before clicking confirm, click back, add to principal option will then be available.  Lol

i have been using GIA since last year, and found it so useful that the bulk of my spare cash is now in it. 

just wondering...since its not PIDM protected and not principle protected, wonder what is the actual risk of losing our cash invested in here. 

cos im kinda in a 'all eggs in 1 basket' situation with GIA

Application can be open via online. Well that's the next best choice.

How do we get the interest from CMF? Do we buy low and sell high, since CMF is a variable-priced fund?

This line chart also represent the price of your nasi lemak, i.e inflation. It will only go up. If your money in savings account, the line is going horizontal, need around 3-4% to break even with the increasing line chart of your nasi lemak. 

Thanks to all posters who provide information on CMF.  Here, I compare the two CMFs.
RHB Cash Management Fund 2

- Interest Rate: 3.35% per annum
- Withdrawal takes 2 days and can only be done on Mon-Fri (have to put in sell order by 3pm).
- NAV increases on a daily basis. So, upon withdrawal, principal and interest can be obtained at the same time, 2 days later.
Phillip Master Money Market Fund

- Interest Rate: 3.49% per annum.
- can withdraw at T+0 (fund credited by afternoon same day to Maybank account if redeem before 930am).
- Interest is only credited once, at the beginning of next month. So, upon withdrawal, only principal can be obtained at the same time.
Another downside is that for Phillip Master Money Market Fund, since we receive the interest late, we cannot compound the interest, by reinvesting the interest. This is particularly true, if we choose to withdraw our principal early of the month, and have to wait for the interest to be credited next month.