Whoa.. U plonked in $100K just as it reopened ar? 
Please share how U lost $20K via PSmallCap (i assume it's not bought in end 2007, then measured end 2008 lar  )

That's what my agent told me, he asked me how much i can save every month, I say RM1500, then he asked me to invest RM1500 every month, asked me to invest 1 big lump sum of RM30K. He is agency manager some more...

How come i find so hard also can't get one to be honest to me??? I want an honest one, HONEST...why is it so hard? 

OMG...  U went OUT then came back in in CASH?! Ouch!!! 5.5% buta gone + flux of market up/down no one knows = a huge gamble leh. 
I hope U or a family member was the agent, at least get back the 2.75% else... 

Balls of steel bro 
Personally, i'd play statistical probabilities rather than HOPE 

Wah, that is painful. But also to be honest, losing 20k consider still ok already if compared to those directly in stock market.

In May - April this year, market lau sai so hard. KLCI falling like nobody business at these period, until reaching low of 1474 resistance support. Well, this support touched 2 times during this downturn market.

I myself is in share market as well. Those days are basically everyday having "periods". 800-900 counter down in 1 day. Counters going up only less than 50.

So when PSmallCap reopen, it already took a heavy burn in the pocket from all the panic selling in the stock market. That is why the performance went so terrible down, since SmallCap is investing on those counter will small market capitalization. Which means, this type of counter with small market capital will not be very liquid, and will come down like torrential rain fall during downturn season.

But recently, investor should be coming back and bringing back the bulls to the share market. HwangDBS maintained an overweight for Malaysia investment prospectus. KLCI back on track at above 1550, and it should be a good time to invest now. Forecasted KLCI go on to 1620 this year, which will definitely give a good pulling effect on overall good growth stocks.

Maybe I can advise you that in the future, don't dump 480k at one time. You would not know what kind of market is it at that moment. People say diversify, it is not on diversifying on products only, but you can diversify through different entry timing.

If you enter later a bit, i guess you should be able to see some good profits now.

All funds got it's seasonal luck, sometimes it under perform and sometimes it over perform. If you go chasing after the best performer, usually you will be disappointed with the performance due to simple reasons.

a. Since it is a 'hot' fund there will be many people dump money into the fund 
b. Once the manager receive a lot of money, his hand is forced to invest, otherwise those money sit in deposit earn peanuts
c. The manager see nothing much of value, so have to buy something, anything..... 
d. end up buying overpriced equity.. end up under perform or low performance
e. Other people see the fund not doing well, withdraw and goes to another 'hot' fund
f. And the cycle continues again... and again... 

Never chase 'hot' funds, they will tend to underperform if a lot of people chase em. Best if good performance funds shut their doors and don't open them again. 

I think the best mindset would be "Any $ put into investments must be $ unneeded for >=5yrs". Thus, no urgency 

which one fund better to invest?

P smallcap fund price shrinking again, drop below Rm0.90, I remember when it was open for subsription last month, the price was like above rm0.95

Except for it's bond and fixed income funds which is doing quite good.

why not just buy the best AMB value trust?

There are some better/equal alternatives out there. Check out funds like Kenanga Growth and Syariah Growth. best of all, it's only 1% sales charge now. promo from fundsupermart. not all PM/PB funds are performing well...

KLCI down 14 point today.