Go open every fund factsheet and read the fund mandate.
Also observe its top 5/10 holdings.

I don't research in fixed income segment.
Others may help you.

If it has MGS, it'll show "MGS"

Example from IPF:

That's why it's better for him to just keep the money in FD, EPF and SSPN.
His heart is not that strong to sustain market high volatility.
Spend time at banks lounge and can get freebies if place FD (for instance, FD from Bank Rakyat).

Uncle first time play, kasi masa sikit.
I last time tengok itu year 2018 pun takut n sakit hati, terus lesap almost one year, 2019 December baru balik.
Luckly, the profit come back especially TA global tech, nasib baik i x jual habis 😁. Still holding.
Nasib baik kenanga growth pun x jual, tunggu profit naik sikit baru switch bcoz is my children saving. Susah mahu jawab dgn isteriku nanti.

How old are you? If you are retirement age consider epf.
I put my parents money into epf.
Beats FD anytime.

they can do partial withdrawal
https://www.kwsp.gov.my/member/withdrawals/...age-55-60#age60

you can do self contribution at age 60
https://www.kwsp.gov.my/member/contribution...lf-contribution

They only use RM1-2K/month and they have pension coming in every month.

Epf can put max rm60k/year.

Uncle, roller coaster o, u tahan or not? 😂

You want 8-10%,
Buy
Aims amp Pacific reit
Prime us REIT.
Manulife US REIT
Keppel Pacific REIT.
Cromwell REIT.
Brookfield property partners.

The above reits are giving out 8-13% dividends.
Is not a unit trust. Is a REIT which is a stick listed majority on Singapore exchange.

Uncle, don't just see the return only, tengok juga volatility.
That two fund give u very high volatility, bo gila u nanti.
U trt click the 10 year chart n reach dulu
U try in that 2 fund both 1k try for 1 year, if ok baru in lagi.

Of course. Lagi good time to buy when price is down.
They collected 90-99% of their rental even during lockdown in case you don't know.

REIT can be in malls rental & management or office space rental.
It depends on the REIT operator portfolio and mandate.

Short term wise, REIT is pessimistic.
Medium and long term wise, REIT could be promising.
So as some has said in FSM thread, time horizon is key determinant.

No u won't have any problem in fact they already known this bug since the website upgrade.

Old man, like this dangerous wor... better pay extra for agent to help you. If screw up pun, can kow-peh-kow-bu ( hokkien lingo for scolding M*th3rf3ck3* ) someone else and let go steam. If self screw up, scold siapa? 

2. You can exercise cooling off for the first time only (not of subsequent top ups) within 6 business days:

The Cooling-Off right refers to the right of the investor to obtain a refund if he should change his mind about an investment he has made in any of the Funds if he so requests within the cooling-off period i.e. within six (6) Business Days of the date of his application.

A Cooling-Off right is only given to an investor, other than those listed below, who is investing in any of the unit trust funds for the first time for each Unit Trust Management Company:

A. A corporation or institution.
B. A staff of Phillip Mutual Bhd.
C. Persons registered to deal in unit trusts of Phillip Mutual Bhd

How do I apply cooling off?
1. Kindly email to phillipmutual@poems.com.my and eUnittrust@poems.com.my for Cooling Off request
2. The refunds for every Unit held would be based on :
i. The NAV per Unit on the day the unit were first purchase
ii. The Sales Charge per Unit originally imposed on the day the Units were purchased.

https://www.eunittrust.com.my/Home/HowTo