Hi all, would like to seek for advice based on my understanding from my research online. As everyone knows that the FD is so low atm, I have narrow down the alternative investment vehicle that interests me but im not too sure about my findings. My objective of investment is for mid to long term, at least 5 years and above.

PLEASE correct me if I'm wrong as I'm new to investment

Unit Trust via FSM
A fund that managed by the fund manager to invest in multiples companies shares. The benefits is that able to diversified the risk instead of holding only one company share.
The main game plan of UT is capital appreciation. Search for potential fund that will grow in the future, buy low sell high.

Fee involved
Sales Charges (0%-1.75%)
Annual Management Fee (1.8% +-)

Stock Market (KLSE)
The game plan is capital gain + Dividends. Will search for blue chips stock to invest in long term, collecting dividends while hoping for appreciation. I saw some bloggers are using this way to achieve financial freedom (annual dividend received is equal or more than annual expenses)

Fee involved Maybank Platform
Brokerage fee 0.1% or rm8
Stamping Rm1 per Rm1000

my banking RM also also recommended to invest ins TA Asia Absolute Alpha fund which focus in Asia Equities but the sales charges is 2.7% which I feels that is kinda high. Based on my investment objective, I'm more kind to ride on the stock market vehicle as I can both side of the world, capital gain + dividends ( provided I've invested in the right stocks). Besides, investing in stock market also involving lower sales fee (brokerage)

so my questions are
1) did I miss out any fee involved in both vehicles?
2) did I set the game plan correctly?

TIA