Unit trust funds and stock are all a scam by banks to make money for themselves.

It makes less interest than EPF.

I invested in stock in the past and lost money... Unit trust is only slightly better but still not as good as EPF.

This post has been edited by jalsrix: Feb 16 2019, 04:55 PM

FD is always lower than EPF , that's for sure.

Except during 1997 when interest rate skyrocketed.

i said 'slightly better than stock NOT EPF'.

Stock is a big gambling den, anytime you can lose a lot of money.

You think we have so much free time to do research in real-life?
All the research papers are done by banks so of course, they will only publish the good side and not bad side.

In the past, there were no forums and most people don't know how to use internet.

Those bank agents will only tell you the good things and not bad things.

The bad thing is that we can lose the principle sum. The interest rate isn't as high as EPF either.

Those bank agents are scammers and I really want to scold them everytime I meet them.

This post has been edited by jalsrix: Feb 17 2019, 02:59 PM