hi noob question here....lets say im am interested to buy a certain trust fund either under Public mutual or CIMB, but i understand the upfront charges is quite expensive around 5.5-6.5%....can i get a discount on this by not purchasing through agent but just direct purchase through the counter?

hi bro...i understand how u feel.....u invest during the very2 peak market and global economic downturn in 2008 looms just around the corner....

that time i was a freelance public mutual agent too and my mom invest 5k with me in nov 2007... she lost a lot during the 2008 crisis as stock market come down tumbling...but guess what she nvr panic n withdrew the money...not topping up either....as of today i calculated her fund eventhough she lose a lot in 2008...her total return frm nov 2007 until nov 2013 is 58.97%... long term she still earn a respectable 9-10% average return per annum....make it 8% roughly deducting all the mgmt charges p.a....

however i dare not inform her had she invested her 5k a year later in november 2008 during the economic downturn...her return by today would be 117%++..but oh well we humans are not perfect n we cant predict 100% accuracy if not all of us are long time millionaires.. in the long run some fund do generally gives you profit....you just need to have good holding power n go in and out at the right time...

hey bro...im thinking of putting rm10k to a small caps unit trust seeing they have incredible growth and gain this past few years....would u recommend it if i go in now? since the nav price already quite high...usually after a big leap its either will drop back a little or pleateuing....

Wow a window of opportunity to invest through world market using their specialty? Nice...