Im really new in investment and i dont have a clue about mutual funds and all but i would like to start investing. I went to the FSM and saw the kenanga growth fund and it says for 3 years the return is 23.28%. Is that permanent or it will go up and down? And is it better to invest using a bank or through FSM or other places? And mutual fund is not like a unit trust right( like asb)? Would appreciate any help at all because im really confuse. Thank you.

So the indication on FSM is just from past returns? How do i choose a good fund? And the sales charges, do we need to pay them when we buy or when we sell? Tq

haha well thank you for the info appreciate it. cheers!