QUOTE(cherroy @ Oct 11 2008, 09:55 AM)

Really salute,

not sure about the details, can't simply throw in money already to try out whether it is true or not.

The 30% bonus unit will only given or effective after 30 years.

If 30 years with zero return (it is disastrous already) vs 30 years of FD 3.7%, you lose 10K+ oppotunity cost already.

It is not 3 months or so, it is about very long term, almost half of our life-time already. So be sure about, only start to invest.

It got 4 maturity date:

1. 15 years - 15% bonus units

2. 20 years - 20% bonus units

3. 25 years - 25% bonus units

4. 30 years - 30% bonus units

It also comes in 2 schemes:

1. with bonus units - they will charge you when you withdraw/redeem the unit before maturity date

2. without bonus units - no charge for withdrawal before maturity date