Why not you people join KOPP(Koperasi Pembangunan Pendidikan Berhad ) retirement fund then? Launched in 2007. It is under

Co-operative . Early withdrawal is allowed although no interest gain. . Suitable for self-employed Malaysian who are not

contibuting to EPF or anyone who want to complement their EPF . It is better than putting in a fixed deposit. The returns from

KOPP retirement fund are much higher than that of other Financial Institutions because of their non-profit structure where

members receive maximum returns. It`s saver to invest in this fund. There is a limit unit per person then .