Was recommended the Prulink Asian income fund by an FA?

I suppose you will then need to drawdown on the funds in a few years to pay the university fees?

Considering short term horizon and purpose of usage, I won't recommend delving into funds...

if the fund lose money and got shortfall vs the university fees, how you going to cover it? Work? / downgrade the course? Delay study for a while?

Its probably not worth the risk for a few % returns...
I would suggest sticking with fixed deposit / ssbs just because they are liquid but still can access easily without loss in value...

The rates for ssb in first 3-4 years aren't great, but u get the coupon every six months... You can use that to pay for some of the textbooks you need to buy....

I would stay away from anything recommended by a commissioned sales person. His interest is not aligned with yours. He pushes you products that gives him the biggest commission, some could be as much as 30%. You can ask insurance agents and bank wealth managers what their commissions are for the product they are pushing. They are required by law to tell you.

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Check out the stock brokers or robo-advisers instead as their fees are more transparent and they do carry the same, if not wider, range of products.