i am actually as same as Zaryl, kinda new in unit trust
first, i go to thread Fundsupermart in here but unfortunately the discussion there isn't much helpful
they keep mentioned about % and then showing graph up and down, make beginner like me so confuse
but then i found out this thread, which is much more beneficial especially as what T231H and superb999 posted.

other than that, would u mind to explain what is RHB-OSK Management Fund in Fundsupermart?
is this like an imaginary bank which we can temporarily keep our money without any additional charges?

my target is to keep my saving for about 7-10 years minimum with target profit around 10%-12% per annum.
any recommendation which fund should i go?

guys
in fundsupermart, anyone can explain this?
im not sure my understanding is correct or not

"Unlike the forward pricing basis applied to most unit trusts, the Cash Management Fund will be priced on the historical pricing basis. This means that the investors who buy into the Cash Management Fund will be able to view the fund’s actual unit price for the preceding trading day, and buy into the fund at that price. Forward pricing, on the other hand, only allows investors to view the price at which they have bought in their units on a particular trading day, one or two trading days after the date of transaction."

anyone can give example for this?

this is my opinion. if u think its wrong, maybe u can consider other member's opinion

1) unit trust is for long term investment. it take at least 1 - 2 years for payback.
2) i invest in unit trust because i dont want too much headache and i dont want to keep continuously monitor it. if people keep on chasing for daily basis, they should try Forex.
3) invest, invest and invest. that is why u have agent. they dont charge fee for nothing. u dont have crack your head. economy down or up, it always have pro and cont. the management will decide their master plan to compensate losses.
4) public mutual is strong and stable with consistent record. why still worry?
5) regardless of economy down or up, u still cannot touch your epf account 1. so, why bother? better to dump it into more convincing investment channel. for me to choose between EPF dividend & public mutual, i would go for public mutual.

all in all, u have agent to arrange it for u. let them crack their head.
unless u are doing it by yourself via FSM, its worth to worry about your portfolio.

no,i didnt do it by Public Mutual.
my platform are the following : CWA & FSM.
as for my CWA, it starts to give me 10% per annum.

through agent is 3%, but since this is for long term, i dont mind paying the fees as long as its worth to clear my headache.
u pay for a zero-worry-fee.

for the funds, i dont pay too much attention on my slip statement but i saw there is Dali Equity & Asia Pacific Dynamic.

Man, my UT in CIMB CWA and Dali had dropped like water for past few weeks

Should I withdraw the current capital? Reinvest when the price go lower?

if go lower -> reinvest back

if not go lower -> putting it in Fix Deposit for moment, and reinvest back

if go higher -> padan muka

chances is 2/3 to gain, 1/3 rugi
but now not confident enuf to make the move

business is always about liquidity
better put it in short term fixed deposit