I also just saw it when I try to look for historical fund price of Hwang Select Bond Fund.

In Malaysia, major of the fund's front load fee is fix, unless u go thru some offer over internet or FSM. So, u just need to look for total expense ratio. For me, the expense ratio is not a major concern, I will look at the fund perfomance itself, unless the total expense is very very high.

Ya, it seen like go near the highest point before 40 point drop. So, I fast-fast let go one of my Malaysia equity fund as a process for diversifying my portfolio.

The problem is i dun think KLCI still have "energy" to go higher than 1700, unless our GE get settle. So, no point for me to wait.
I dun want the same thing on 21-Jan-2013.

So, u want to top up ur fund now?

I am having about the same experience with u. 4 years ago, i go AMBank renew my FD, the sales girl told me that the FD rate is low now and I should put my money to a capital guarantee fund that have bigger return than FD. At that time, I am totally dun know what is "mutual fund". I say yes and sign few documents for that. In later part I only find out it is "AmAsia RECOVERY Capital Guaranteed Fund", after 3 years of maturity, I earn nothing and gain back my capital last year. From this incident, I stop believe anything that the bank people say. Good thing should not come in sudden like that.

How u going to buy both of these funds, with the each fund house themselves? The fund u choose is recommended fund under FSM, plan to buy from FSM? The fund u choose is good by the fund itself. But as a investor itself, u should diversify ur portfolio, these 3 funds are concentrate on malaysia market. U should hv asia and global fund to balance up ur risk.

Yes, FSM is a good platform with lower sales charge, 2% compare 5.5% to 6%. But the downside is, it is totally DIY, u need to know what u r doing. Since u r still young, u can start with small amount and learn along the way, experience is not something can be teach.

Regarding the asia and global, u can choose among the recommended fund in FSM, just make sure u read thru each prospectus and understand what ur fund going to invest.

Yes, agreed. Just i never contact them before.

If I am not mistaken, u can register PMO and repurchase online. For me, I never done any transaction under agent besides the very first one and only one.

tell me more about eunittrust, seen like interesting.

it is consider old news for me, at least for my company.