doing another epf withdrawal this year to take advantage of the tax loop hole and buy prs.
is this a tax loop hole?
withdraw epf money to pay for monthly housing loan. when they bank in the fund use it purchase in prs in fsm for max 3k and get additional 1k for this year from budget 2017. application for tax relief two times on same monies.

Before comparing let us look what public dividend select fund does.

http://my.morningstar.com/ap/quicktake/ove...ceId=0P00008MI0

as stated it invests in Malaysia stock exchange.

so just take Kenanga Growth fund and Kapchai fund.

actually no need to compare. just tell him public mutual SC already makan all the returns. just compare fsm SC and you will know. look at the front loading sc. freaking 5.5%
http://my.morningstar.com/ap/quicktake/Pur...ab=PurchaseInfo
then he is gonna say but we declare dividend every year. if he says that you need to fire him.