Few years back, I went to EFP office near my place to look for it's balance, it make me think for a while. After not making any thought of it for many years it has come to me that what I have in the EPF is not so much. All this while I thought it was enough for me for my retirement. Now it seems like I can't leave the work force for my entire life. When can I live a peaceful life ? I'm halfway to my retirement age. I started to look for ways to increase my money and assets. Then I found out about unit trust. It's like a new word to me. I started to ask from my friend who happen to be an agent for Public Mutual. After explaining to me what is unit trust bla bla bla and so on, she ask me to consider to put aside a little portion of my savings into unit trust, and I did. I started with Public Ittikal, the price - RM1.32. Not knowing why, just follow the advice to do the so called "Regular Investment", then I started to top up every month until few months later the price become halve of what I have started. Hey, seems like I'm loosing my money. My initial investment has become halve the value. So I ask my agent for a statement. I'm not loosing any money afterall. At that time, my investment is actually giving me a 10% profits. How come I said. Well actually, during the period I received a unit split and dividend. Ahah, it's miracle. Though my initial investment have become half the value, but by doing regular investment and with the help of additional free units and dividents, I'm making profit. As at to date, my investment has given more than 150% of profits.