The central bank of Malaysia announced its key overnight policy rate at 2.75% in the first meeting of 2023, a 0.25% increment, recording the new high since the Covid-19 pandemic. Policymakers noted that the current policy stance remains accommodative and supportive of economic growth and further normalisation would depend on the evolving conditions and their implications to the domestic inflation and growth outlook. Meanwhile, policymakers expect growth for Malaysia in 2023. Inflation is also expected to slow this year." (Source: Economy Malaysia; 20th 02, 2023) At the same time, the stock market is slowly recovering. Foo, 32 years old, is a manager with a gross monthly income of RM6,000. He is married with two kids. Meanwhile, his spouse is a full time housewife. He has a savings of RM100,000 currently. He is concerned over how to invest his savings and has approached you for advice. Required: As a financial advisor, recommend to Foo a suitable fund based on the situation above and state your justifications. (12 marks)