What if I had RM 10,000 in 2005 ?

For example, you had invested RM 10,000 in 2005 in unit trust

In year 1996, Annual returns for investment in unit trust (Public Ittikal) = 26.01%, minus service fee = 6.5%

Return = (10,000 X 26.01%) - (10000 X 6.5%) = RM1,951.00 per annum

Compare to investment in EPF (Employee Provident Fund),

Annual returns for investment in EPF (Employee Provident Fund) at 5%

Return = 10,000 X 5 % = RM 500.00 per annum

Difference = RM 1,951.00 – RM 500.00
= RM 1,451.00

This is only simple calculation, not taking into account the bonus units/dividends/free insurance when you invest in unit trust.