Where should your
idle cash actually sit?

How Nafa picks your fund

1. We read your risk tolerance. Your five answers become a score from 0 (safety-first) to 10 (full-throttle growth).
2. We match that score to a fund class. Lower scores point to money-market and income funds; higher scores to asset-allocation, then equity and index funds.
3. We keep only low-cost, established funds. Using live MUFAP data, we filter to funds with a total fee of 1% or less that are large enough to be liquid — so fees don’t quietly eat your returns.
4. We surface the strongest of those. Among the funds that fit, we show the one with the best recent return, plus low-cost alternatives in the same class.

“Total fee” = management + front-end + back-end loads. Returns shown are recent performance, which never guarantees the future. Nafa is educational guidance, not personalised financial advice.