If you invest in stock market and can't have peace of mind, what makes you think you can have peace of mind with unit trust?

Unit trust buy stocks too and they must be >95% invested. So if market goes down, expect unit trust to follow. If market goes up expect same stuff. Sounds familiar right? 

Now how to have peace of mind investing in stocks?
1. Do not use leverage and margins.
2. No penny stocks.
3. Focus on big strong companies.
4. Go for dividend growth investing
-invest for dividends where money will come in every quarter or half yearly. Regardless of market condition dividends will still come in.
- best thing about dividend growth investing is dividend will increase yearly without any input from you.
5. Do not see. Do not touch. Once a year pump in money into your selected companies. Done.
6. Buy and hold. Get the selling thought out of your head.

I have been doing that. No loss of sleep. Money comes in every few months. No need monitoring. More living life, less worries about investing.

If you can't stand price fluctuation you go  no business in stocks or unit trust. Your only options are
1. FD
2. Amanah saham
3. Epf
4. House.

Amanah saham is unit trust. True. But is different. The fixed priced funds are priced at RM1.00 per unit. You buy and sell at RM1.00 per unit regardless of market condition.

Yeah tell that to him/her. He can't stand price fluctuation. With reits and etf price fluctuation is there. Cannot run away.

Most Malaysians are just too lazy to figure out how to open overseas brokerage to buy ETF

don't do it with cash (physical currencies (domestic or foreign currency) and bearer negotiable instruments such as travellers’ cheques) still have the RM25k limits in the Cash Threshold report (CTR)?

try this...
http://amlcft.bnm.gov.my/AMLCFT05b.html
https://www.soyacincau.com/2018/12/31/bnm-r...hold-reporting/

That's cash. Don't use cash. Use normal bank account.