Borak2....

A friend called me up the other night.

He was asking, whether is it alright for him to invest in Unit Trust via his EPF account.

My answer was....why not? For me personally, it's a good way to invest using your EPF money. I mean, whenever we talk about investing, we must always associate it with risk. There is no investment that is without risk. Even driving a car is riskier....hehehe. I would say...joining a MLM business is way riskier....

After all, the amount invested is not much. Presumably below RM10k(maybe more.....depending on your 'available' amount in Account I). I would say, the risk in investing in unit trust depends entirely up to the investor's way of dealing with risk. Either you're a risk taker or a risk averse. I would call myself as a risk-averse type of person. I'll make sure that upon getting some profit from the initial amount invested, I'll 'sell' and re-invest again. It's kinda hard to explain properly in writing as I'm not well versed in unit trust but I believe that it certainly has helped me in getting some returns. I've been doing it for about 3 years now and so far, it has been reasonably good.....

Anyways, like I said. I do invest in Unit trust and will still do in the future. In fact, I started in 2008. Quite late lah but better late than never. Alhamdulillah, it gave me some returns. Not much but still, a return is a return kan? At least, there's a return from there. Sapa mau kasi extra RM300 or RM2000 or RM1 for that matter without doing anything kan? You work your bloody ass off everyday or work till late at night pun blom tentu your boss will reward you for your efforts...:p

COming back to the topic of using your EPF to invest in UT, I would certainly say, go for it. It might help to further bolster your Savings in EPF in the long run. Obviously you won't be able to use the returns/profits/dividends that you might get as all of it will go back to your EPF account. With a higher amount of money available to you in your EPF account, you can then re-invest it again. Pretty simple idea actually but I'm a wee bit surprised that not many people really see this opportunity.

Anyways, the opportunity is always there for those on the look. Perhaps, this is one of the ways to prepare him or herself for retirement....hehehe

So my dear friends.....go ahead and do it....