Problem is, as amateur investors ourselves, how do u decide how much % to allocate to the respective countries? Region allocation is already a headache, what more country allocation.

Lower Sales Charges definitely as what David83 said.

At first it might seems to be a challenge due to not having an agent/customer service officer hard selling guiding you thru the process; with FSM, you yourself have to pick the fund(s), decide on how much to invest, when to invest etc.

But FSM has 2 very helpful services that I can confidently vouch for, their service quality and knowledge are miles better than what I used to get from bank-based people, whom I feel is more sales-focused than service-focused:
(1) Live Help - you can chat with a FSM officer online during office hours to ask for help on practically anything other than investment ideas.
(2) Client Investment Specialists - if you need investing ideas, they are the ones you can talk to. The usual means of communication with them is thru e-mail. Or you can leave your number with them, they will call you at a time convenient to you.

After some time, you will learn more, and become a more independent and knowledgeable investor. And its not really that hard.

Start: 2008 totally no clues, kakak cantik at bank ask me buy what, I buy what