Is there a website where we can easily access and compare all public mutual funds return? something with tables and stuff?

I think you should seriously consider taking more risk on your investment and go for equity funds focusing on stronger returns and diversify yourself across different market (example go for China and global funds). You have RM 21.6k, put around RM 4k across multiple funds rather than focusing on those two funds you currently have. Diversification is a good way for you to earn consistent returns and minimize market based risk like what's happening in Malaysia.

If you are a Bumi, considering your choices, you are better off dumping the money inside ASB or Tabung Haji. At least you'll get better returns than the funds you chose currently.

Honestly, I might be bias though as I am not a big fan of Public Mutual funds, and in my personal opinion, there are a lot of other better fund houses out there that can provide better fund management than them. Check out lipper leaders or morningstar to look on potentially good funds to invest. Other than that, you can also go for fundsupermart or eunittrust to access funds at lower sales charge (around 2%). I am also currently doing a promotion on WRAP account which has 0% sales charge subject to annual management fee.

In unit trust, it is better to just start investing as early as possible rather than trying to time the market as the more you delay, the more you lose out in building wealth for yourself. Unit trust are best focused on long term performance rather than speculating for high short term returns. In long term, unit trust is an excellent way to build up your wealth and it is very unlikely you'll make a loss in comparison to most types of investment.

Try doing a dollar cost averaging (DCA) instead of timing the market. DCA is an investment plan/strategy where you do monthly deduction to invest in a particular fund or investment porfolio.

For example if you do DCA of RM 100 per month, you buy RM 100 worth of units on Jan, Feb, March and so on. You'll continuously buy units regardless of the time the unit is at it's cheapest or the most expensive. By the end of it, you'll generate good positive returns as all the investment is averaged out as long as the fund performs in the long term (which most unit trust will).

DCA is a very effective way if you want to build up wealth. If you want to go one lump sum, I would suggest at least make sure your investment horizon is more than 5 years, preferably 10 years, unless the investment amount is not that big.

In terms of asset combination I think this portfolio is great. The asset is pretty well balance with some industry focused fund, real estate and bonds.

In terms of region exposure, this portfolio is pretty problematic as another Asian financial crisis might destroy the whole portfolio considering how Asian focused it is.

I would recommend changing 15-20% of your portfolio to funds that is focus on global investment and 10-15% on developed countries focused fund.

Unless you are sure you can tolerate the risk, be my guest though.