Sad to say unlikely unless it's via agent's direct own pocket

What is your opinion on investing all on growth fund?

I've just successfully put my first Rm1k and looking if it's a smart move to put all under growth funds or spread it across moderate funds too?

First, there din't allowed you to swap it.
Furthermore if you swap it then you really stupid.  

3% sales charge is one off payment when you top up, but you get the total investment amount -0.1% management fees every year(Class A = 1.4% while Class C = 1.5%).

Don't underestimate this 0.1% as it link to total invesment value for every year, after 30 years you will end up receive similar return. I just do some excel spreadsheet and simulate few situation(Eg, only invest till 2021, Top up for 30years etc) but end up after 30 years the return will almost the same.

I just saw this post today & FYI I already invested CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity - Class A since 5 years ago but first two year only 75% to  Asia Pacific Ex Japan Equity, the total invested value is RM15,500(5years x RM3000 + RM500 youth incentive) and now it worth around RM22k.

As I said I just notice this post today, previously open PRS account thru CIMB bank & now top up thru cimb click.

Anyhow after go thru the post, I believe the best deal now is buy thru Fundsupermart with 0% sales charge.