Hi, I just took Prudential 10 years savings plan with RM500/mth. I found that it is very good and my agent did advice me that this not just can be ur children future edu fund, it also can be serves as 2nd EPF fund.. coz I agree that almost everyone will finish their EPF dund in 3 years time... one 1st EPF fund finish then can use the 2nd EPF fund.. coz I dun wan next time my children send me to old folk home coz dun hv own money to survive when old... Since now I still able to work and save money ma... I one day I can't save the money due to other reason, I still got money... anyone interested, pls email me... janetpo811011@gmail.com... Let me intro my agent to you... She helps me a lot...