I am a unit trust consultant, if you like a more detailed help, feel free to PM me.
However, to answer your question, if it were me and this is what i do in general,
the strategy that i employ and advise my clients depend on the market in general. I track the long term trend.
if the long term trend is up, i advise my clients to go for agressive equity fund, mostly for capital gain. this can be For examples PCIF, PIDF, etc. The final selection is made after discussion with the clients.
if the market's long term trend is down, i do not advise for equity fund, instead the choice is a bond fund sich as pisbf.
When the long term trend changes direction, I advise my clients to switch.
If the long term trend is up, no point of holding back the investment, personally i go for lump sum investment, but some clients may prefer to hold back some, up to them. some of their monthly savings go into the fund on a monthly basis.
i have Public china select fund(PCF)and public far east property and resorts fund (PFEPRF) . joined in 2007
i paid lumpsum and continue to pay monthly for both since i want to take advantage or leveraging.