That's why shopee like to give shopee coins for each day login. 1 cents per day to entice you to buy things per day

I am not trying to promote Public Mutual, but there's this agent (well a friend lah) she approached me and promoted me this Public Mutual product where the interest is similar to our EPF, around 5% per annum and she asked me "Why you don't want to withdraw from your EPF to and place into this fund? They are similar in interest and you can take it as a better than FD investment and best of all can take out anytime."

I forgotten the product name, not sure if any of you aware of this or not.

I didn't really told her the reason but I believe because EPF is been guaranteed by government at least 2.5%, meanwhile I am not convince of PM's performance.

So why I mentioned this? Because the EPF withdrawing news has been in the trend again lately and I saw some discussion regarding allowing citizens to withdraw RM 500 monthly from EPF, that's why I am curious if these people better put their money in other avenues where they can withdraw or something?

Note: not a public mutual agent and also not selling or promoting.

Not everyone as strong willed as you  Kudos to you

Companies spend billions per year on marketing to brainwash you to buy things

hahaha, true. Forgotten the management fees.

Hmm I googled fake dividend of unit trust, not much information.

A significant number of investors choose to reinvest fund distributions automatically instead of receiving them in cash. When dividend payments are reinvested, the shareholder receives either additional shares or a fraction of an additional share in place of the cash payment. The NAV still declines by the amount that is distributed, but the total value of the fund investment for the investor stays the same.