Best to see the KLCI movements until mid-day, then only decide and execute online before 4pm lor. Remember - mutual funds uses end-of-day to price their NAV (which we pay + service charges%).

I still remember 2008's KLCI 10% drop by afternoon, kicking up the auto-short-circuit to close KLSE - now THAT's the time to buy into PIX if one had the nuts, then sell off a few days later (assuming one's an agent lar, thus lower cost)

For PM's equity funds, cash investments' service charges is 5.5% of which 2.75% goes to agent (pls correct me if i'm mistaken)
For PM's equity funds, EPF investments' service charges is 3% of which 1.75% goes to agent (pls correct me if i'm mistaken)

Thus personal cost to me is calculated as:
Cash investment: 2.75% goes to PM + (2.75% which goes to me as agent *26% income tax)
EPF investment: 1.25% goes to PM + (2.75% which goes to me as agent *26% income tax)

Side note:
There's this thing called Agent Pink - it's like monthly DCA deducted from commissions only (cant put in cash monthly). This is invested at NAV without any service charges. The amount per month is dependent on one's level in the group.
Unfortunately i'm still at the bottom heheh coz i dont recruit actively nor sell sell sell (i'm at heart an investor - cant bullshit ppl to buy buy buy when it's not to their advantage).

$30K Sales of Equity Funds per annum - i think that statement means every year an agent has to get ADDITIONAL minimum $30K sales lar.