What fund do you want to buy...?... epf is giving almost risk free rate of 6%.....

Tis extra cash flow that you mentioned may be locked down due to mkts maybe  in correction after you bought it......will it affect your housing loan repayment cash flow?

The point is for me, EPF is another parking place until opportunity comes along. Aa long as rafizi and gang does not uncover dirt on EPF, I am cool with it.

I think Xuzen meant RM20k per fund is too little (for his age group).

If a person has only around RM100k (RM20k x 5 funds) in investments or savings in his mid or late 40's, he is in trouble. The money is not enough to form the base for his retirement.

Does it ever occurred to you that PM may close down too?
It may sound sarcastic but it is real.
Any legit investment channel, though regulated by SC and FIMM, doesn't mean your capital is protected, as it is so in a FD bank account insured by PIDM.
PMB (FM) is a separate entity from PBB (Bank).
Or you may want to be even safe (or maybe not), look at the annual report of the fund which you want to invest in, select say 30 counters, and buy into the underlying stock instead of doing it via UT. I think the chance of 30 companies closing down together at the same time is rather slim, and the % of upfront fee is much lower (FSM sales charge 1.75% compared to brokerage, say 0.106%)

Which one?

if you have this fund before the Ex date........check your email 17~18 Aug.....