Anytime is a good time to invest in unit trust as it is a medium to long term investment tool. Set a goal for your investment, and invest regularly to achieve that goal. Get assistance from your unit trust consultant or anyone knowledgeable for advice and planning.

No comment on the trend. Bare in mind not all funds give out annual dividends. As for the Islamic (Syariah compliant) funds the difference is the money invested will not go to non Syariah-compliant investment such as conventional banks, liqour industry, etc. Dividend still depends on fund performance and fund managers decision (provided the fund policy is to give out dividends)