KWSP..Smart retirement

Smart retirement by investing in Unit Trust EPF

Today I gathered the usual 3 questions asked and issues raised by potential investors. Please give it all for you!
What qualifications do I invest?
Investors must meet the following conditions, namely:
1) You must have attained the age of 55 years on the date the application is received by the EPF
2) The total savings could be invested must be not less than RM1, 000.00 and not more than 20 percent of total deposits in excess of the amount of basic savings in Account I.
3) investments can be made every three months from the date of final transfer is made, subject to savings in Account I.
How do I apply?
You may contact Public Mutual Unit Trust consultant to prepare the documents below:
1) Copy of identification card (with the stamp of the right thumb and left on the copy)
2) complete Form KWSP 9N (members)
3) Public Mutual Form EPF investment
I get an annual dividend from EPF. Why do I have chosen to invest into another unit investment?
In contrast, unit investment trusts provide higher annual returns than EPF. As the example below:
EPF returns :2005-5%, 2006-5.15%, 2007-5.8%
Public returns Ittikal: 2005-7.24%, 2006-12.91%, 2007-46.13%
After all, we should be concerned about the rate of return on our savings? Money savings in the EPF is not be issued again until I reached the age of 50 years. So will not want to miss the opportunity to invest in other instruments more profitable? Imagine if you have RM30, 000 and make a deposit into a savings of 2 types of EPF and the Unit Trust. Within 25 years the total savings in the EPF to RM205, 500 (estimated return of 8% per annum) but the total savings in the Unit Trust to RM2, 861.886 (approx 20% returns per year). See the difference amounting to RM2, 656.386!