Unit Trust, mutual fund, ETF, they are mostly the same. Basket of stocks link to an index or nav. Becareful and checkout the fees, annual fees, sales fee, transfer fees, buying and selling fees.
For every EPF 5%, add maybe around 3$ a UT need to overperform by 8% and more to be same as EPF. Remember you bear all the risk if the UT underperform where it's nav can drop just like share price.
Imagine the pressure to consistent deliver 9% each year and there's danger when it comes to that retirement age when you needed the money the most, the UT index suddenly drop or crash 20~30%.....you may not have the time or years left to let it recover.
Be prudent, if you want to play, maybe 10% of the fund, you put at the highest growth/risk UT.....at least if anything happen u can fall back to the steady consistent EPF growth...

I myself have paper gains in PM funds and moved from just using an agent to self selecting funds online.

Are the sales charges still 5-5.5% if you buy online?

This is my return so far 11 yrs. 2010 took out RM 25k from A/C 2 and dump in ASB 3.
Another RM 25k i dump into AHB. .average return for the past 7 years around 6 %. except for this year 2021 4.7%.

As both return > EPF i will leave it there until retirement.

how is the performance comparison between EPF and ASB3 for the current last 3~4 yrs?
(since 2017/2018?)

Hi everyone,

I know there is discussion about investing using KWSP money but I cant remember where exactly it is so I'm hoping I'm posting to the correct place.

So I have PRS and some unit trust, also investment from KWSP via fundsupermart. I do monitor another fund under RHB that is possible to invest via KWSP, however, we cant select this fundsupermart via the iInvest, only via RHB portal i believe.

my question is, can i just invest via iInvest but having no login to RHB at all and have no intention to do so? i can still monitor my investment via iInvest. is that possible?

Not possible, EPF MIS only routes your order to the fund house. You still need to have an account with the fund house to buy.

Because I’m using epf funds, only one 0.5%.
If I’m buying online, it doesn’t count as agent recommendation so they don’t get a fee.

For the portion we withdraw from EPF account 1 to invest in the approved fund, can we liquidate our investment in the approved fund and get the money back before we reach the age of 55?

Was thinking of cashing out from my EPF Account 1 by investing somewhere else (that is approved by EPF) and get the return (if any) before 55 rather than wait till 55 only can access to the money in Account 1

All liquidated investment will go right back to your epf account.

No loophole to get your money before 55.

Make sense, thought I fount a loophole.. it goes back to account 1 right?

googled and found this (compiled comparison)