Thanks for yr kind words NightzStar. It's not really comprehensive & systematic enough to me i'm sure there are much more loopholes i need to plug.
The obvious ones plugged coz i noticed my normal methods (buying value & value + dollar averaging) was pulling back too much too long, thus i had to do a forced rebalancing once my AA (Ass Allo) was really out of whack (eg. 25% to 30%+/- off the planned values).

I've shared some of my methodologies somewhere earlier (i think in Fund Management/Investment topic) asking for criticisms and feedback but none so far 
http://forum.lowyat.net/topic/690951/+1850

Can help eyeball a bit and borrow your brain power? 

Hm.. as a starter, i'd really suggest using only EPF a/c1 for mutual funds coz there is no cash flow impact, UNLESS U are a biz person that has no EPF.
For cash, U shd try direct REITs investment OR foreign focused mutual funds - thus there is some diversification in Asset Classes and Sub-classes.
In addition, U will then learn about the underlying assets of equity funds as well - most "investors" do not know what makes up an Equity fund or Bond fund or Mixed fund.
Just an opinion yar, no right/wrong.