Hm.. both equity + bond funds and both via EPF & Cash?
about 36.14% of my net worth (excluding dumb things like cars, boats, winter home )

Why ar?
BTW, I thought the more pertinent Q would be what's your Asset Allocation currently held? 
ie.
Bonds & Fixed Income: XX%
Equities excluding Properties/REITs: YY%
Properties & REITs: ZZ%
Alternatives (Gold/Silver/Harem): AA%

My Equity Funds / Total Equities Held (exREITs & Properties = 73.05%
Bond Funds / Total Fixed Income Held = 28.9%
Erm.. the above doesnt help much IMHO.

I think the below would be of better info/use to U
The underlying vehicles of mutual funds are generally
1. Stocks (Equity funds)
2. Bonds (Bond funds)
3. Money Market - for storage before buying into them bonds or stocks by the Fund Manager.

--------------
Thus, if i may share with U a holistic view:
A. BONDS & FIXED INCOME ASSETS
Govt Bonds
Corporate Bonds
Bond Funds
EPF
FDs /CDs
MM

B. EQUITY ASSETS (exREITs & exProperties)
Stocks exREITs
Equity Funds

C. PROPERTIES & REITs
REITs stocks
REIT Funds (er.. this is kind of a new animal in M'sia)
Physical Properties

D. ALTERNATIVES
Gold
Silver
Platinum
Titanium
Copper
Paintings
Antiques
Collectibles like cards comics, coins, stamps, etc.
--------------

U can see where Mutual Funds sit? It's in A, B and C - depending on the type of fund. Balanced Fund = mix of A & B. Personally i think it's a waste of time UNLESS U just cant be bothered to DIY the Asset Allocation mix, ie. too rich or too busy.

You're welcomed.

Diagram? Venn diagram to inter-relate types of mutual funds to these 3 (4 if alternatives) Asset Categories? Hhehe - things get muddier when U get into Asset sub-Categories - eg. Stocks can be broken down into Finance, Service, Infra, Plantation, etc. That's just stocks. Properties & REITs can be broken down into sub-Categories of Residential, Commercial, Industrial, Healthcare, Plantation (nope, no Red Lights type  - this IS Malaysia ya know, not SG Geylang )

Bwhhaha - who told U i dont buy REITs?
I just bought about... erm.. quite abit during the spike downwards. BSDREIT & ARREIT. Still waiting for ALAQAR KPJ (hospital) & SUNREIT to come to my trigger points
My main CASH investments are REITs and Properties (and a bit for trading + foreign focused funds) because EPF is for local equity funds, thus it's as good as buying stocks in Bursa. Asset Allocation man
FYI - EPF approved equity funds for now can only have a max of 30% of it's holdings in foreign stocks/bonds. Thus, i said buying EPF approved funds is nearly as good as getting into Bursa.

Sigh.. unlike yesteryears where we can choose to do Foreign focused funds with EPF. Supposedly saving us from ourselves wor EPF said <end of b****ing>.

My Equity Funds / Total Equities Held (exREITs & Properties = 73.05%
Bond Funds / Total Fixed Income Held = 28.9%

I find coffee helps - up to 7 a day last time  Drink until hands shivered. Dont drink hands also shivers. 
Ok ok - studies have found that black coffee (no sugar, no milk) is a good anti-oxidant. Up to max of 3 cups a day have been proven (google the research) to help reduce Alzheimers from occurring in women. I dunno why women though - maybe that's their test field.

Node-link? Like a brain mapping thing? or a simple computer IF, THEN, ELSE style branching?

Ok ok back to PM & investments.
REITs' tax is 10% at the source (withholding tax), thus U get the net only. Good for folks with tax up to 20%+
Dont just focus on the dividend payout - go to the REITs thread/topic, lots of postings there. If U can't find, then shoot your Q there. I think mods here will kick our butt if we keep talking about REITs here (PM thread/topic)

What u mean by expectation?

Rite now 29 years... My initial investment probably start small RM5000, monthly invest RM500... probably hope to gain 100k in 10++years... possible or just wishful thinking?
This is what my agent advised me to do if thru direct debit

It is true Smallcap fund is reopen for investment? good chance for those who want to top up or do DCA.

"Yes" - even the fler at PBank counter selling U the mutual fund has an "agent number". Best results of course is to be your own UTC and best-est customer

Sales targets?
er.. was never chased by anyone (upline, up up line, left line, right line, etc.) till now wor, since.. er.. since.. 2001 or 2002 (under ex's a/c) and since 2007 under my own agent a/c.

er.. so far, never done cold calls before as a PM agent  Maybe i'm lucky though - my upline and his upperlines never kacau me. Cold calls FROM relatives and friends got lar when they knew about what i was into in my spare time Mostly with things like "i want to make as much as possible, as little time as possible". I then pointed them to the uncle selling lottery tickets and 4D shops 

Aiya - sponsor = upline lar. Just grab a UTC and ask them to "sponsor" lar. They get % of all yr sales or so i think. Like network marketing 

ya, go to http://www.pk31-job.blogspot.com for more info. who is ur upline is a optional for u.

maybe he want to top up on his investment,
you as a jointholder need to sign it too ... 

p/s; but top up not need joint-holder to sign, might be repurchase

They'll abduct U, threaten U and water drip torture U. 

Seriously though, nothing much lar, other than give U "warning" and after a few times, kick U out gua. I've never been given a quota or chased or tortured. Or i may be just lucky gua.
BTW, i'm THAT type of agent, the zzz type 

SC is 5.5%.. But to be frank, agent commission really sarks to the bottom one.. Client invest RM1000, agent commission only around RM25. Zzz
Car petrol toll drink eat, finish off already la..

ya, if 10 clients with rm100k only..if no??

Haha. Say is easy la brother. Wait till you go to the real world market and see the responses first, then you will know.

If you got 1000 customer, each investing RM100 per month for with you, you are consider lucky shot already to be honest.

And 1000 customer at 100 each, monthly you will get around 3k+ la.. Hahaha.

If 10 client investing 100k each, that is one off.. One off salary does not give u a career..
Only if u got a fat and wide base of people investing with you in a consistent manner, then only you can consider it as a good career.. If not, stick to working first before going full time.

Another bloodbath of 'red' for this coming week