Unit trust is private money. Why should it settle the national debt? The kinds of questions Malaysians ask are so... 
No hidden fees (except for the RM60 one-off setup fee, payable to bank), and no lock-in period thus no penalties. Installment for that amount and tenure is RM903/m.
Not really. Because throughout the time you have been investing to reach that 200k limit, you would have earned dividends right? These dividends would have increase the softcap of your fund anyway.

Btw, it should be referred to as distribution, not dividends, sometimes I am guilty too. Malas nak reedit

We are talking about cash or asb financing? In either case, both examples require you to continue to invest for the next 35 years.

1. No one said you need to continue paying, you can stop anytime. But I can guarantee you wont reach the 1.5M target I posted above

2. Yes, anytime, during fund hourse, Sunday-Friday, 9-4PM

3. As shown in the first graph. Financing yields RM300k more in returns.

1. Hard limit is RM200k. But soft limit is increased as you earn your yearly distributions (or mistakenly referred to as dividends). Your total limit is the combination of both hard and soft limits.

2. In general, yes, better to take a loan if you look at the numbers. But there are risks. Lets say the return for a year is lower than a certain level that it makes it not profitable to maintain the loan; then you can always terminate it in 2 months time.

Already covered it in the first post. Check the "spoilers" for 1 and 2.

As for the "cancel the loan earlier than the full tenure":
After 5 years: RM274k in ASB


After 5 years: RM188k outstanding loan balance


After 5 years, if you feel like cancelling, you would still have earned RM86k, cash in hand For the uninitiated, the RM86k figure comes from RM274k value deducting RM188k balance that you owe to the bank. 
Guarantee in what sense eh? please elaborate, no speculations. Just hard facts
I thought you guys are smarter than this 

Yes you could! That is just cash investment, with a lump sum amount. Not everyone has the opportunity to do this, if you have RM200k to spare, that is good for you.

As for the duration, using a simple capital appreciation would do. 332 months to get your RM200k to become RM1m at 6% p.a.


Now just use NRIC and thumbprint to withdraw. No need books/certificates anymore
You are a sharp one - I mean it. You are asking the right questions. No, they do not publicly disclose the fund's Net-Asset-Value. The SC knows about it, but they have their reasons to not disclose them, I can probably speculate - you may come to the same conclusion anyway.

In any case, at the point of purchase (say, today) you would be paying RM1 per share, but you do not know the actual value of the share. Could it be RM0.80 per share (which means you are over paying) or is it RM1.20 per share (which means you are underpaying, which is good)?