Hi Malaysian, Are you want to Finacial Freedom? If you planning to saving your money i suggest you save in Public mutual Unit trust. The return is really high, Mininum 12% per year. Fixed Deposit-3% EPF return - 5% Unit Trust in Public Mutual-MIN 12% Just Imaging if you saving Rm10,000.00 in Fixed deposit you will get 300 per year. EPF you will get RM500 per year Public Mutual Unit Trust you can get Rm 1200 per year. The Same amount of money the you can see the different return.