ASB or Public Mutual?

This is the question I always hear from friends and family. Here are a few points for your info.

ASB

1. Consistent returns of between 7% to 8% per annum.
2. Guaranteed by the government of Malaysia
3. Limited up to RM200,000 deposit
4. Limited to Bumiputera only
5. Can withdraw anytime at Pos Malaysia, Maybank, CIMB, RHB and PNB offices
6. Harus for Muslim investors

Public Mutual

1. Returns can go up to 30% per annum
2. Can also make a loss out of investment
3. Not guaranteed by government but backed by a stable bank ie Public Bank
4. Amount not limited
5. Open to everyone
6. Can withdraw at any Public Bank
7. Can choose Halal trust

Personally, I would have a combination of ASB and Public Mutual investments.