Unit trust fund price is according to the share market movement. Global share market is not so good recently, especially after the Europe debt issue, but local share market is still strong. I personally guess that is because of the coming general election.
One example is, HSCEI (main benchmark for China fund) is around 10,000 now, but it was around 20,000 in year 2007, when both PCSF and PCIF launched around that. Back to local market, KLCI is still 1,500 now, and it was also less than 1,600 when it reached peak in year 2008. If you invest in PCIF since it's launched, even with DDI, you might still suffer from loss.

DDI is a wise choice, but it's not the best, definitely. DDI is to average your buying price, but not necessary pulling down your buying price. DDI is suitable for people who has not much time to monitor the market and wish to force her/himself to save some money. It might prevent you from investing big lump sum when market is high, but not help you to earn the most.

Yes, KLCI can be speculated easily now, as our EPF is the largest fund in the stock market. EPF plus PNB, can have a significant control on the index.

So far, the main portion of china fund is still H shares, so looking at HSCEI is the most appropriate, but at the same time, still need to look at Taiwan index, TWSE.

I am not agency manager, but only a normal unit trust consultant with no ranking. Sometime, high rank people might not be interested to know so much, as they are more focus on sales I do this for my own interest, so still no rank after so many years

equity fund are most higher returns comes with higher risk appetite.

good to hear u r interested in direct share, but be careful, KLCI already touched 1600.

main sikit sikit cukup.

Incorrect.

PER is about earning.
Corporate earning is way higher than 1997.
The total profit made by listed company in KLSE is also way higher than prior 1997.
So it is totally irrelevant to say market cap should be lower or higher as compared to 1997.

Market cap also depended on number of listed company as compared to their paid up capital, or share issued.

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Added on April 3, 2012, 2:34 pm1600 points doesn't means it is high or expensive, nor 1000 must be low or cheap.

Index should go higher and higher if a country economy is progressing which lead to better corporate profit across.
There is no such thing of index should stay at what level, or 1600 must be expensive.
Index or market is depended on corporate business profitability.

Thanks. Anyway, bond funds don't have distribution right?

What are the favorite funds for allocating assets?

is it a good time now to start investing into Public mutual now?