Hello people, been learning on how to construct my FSM portfolio lately since I'm new in the UT market. As I know that diversification is KEY, building a well balanced (as per my risk appetite) portoflio is there crucial. However, I have a few questions and hope some of you gurus can help shed some light.

Assuming I only have a minuscule capital of RM3k to begin with (of which 1k is already devoted to Kenanga Growth Fund), I am planning to devote the remaining into into Bond fund (1k - eg: AmDynamic) and  into an equity fund with global exposure (eg: Aberdeen Islam World fund). I am targetting a 60% equity and 40% bond portfolio in the near future. Assuming I follow my strategy above, it would mean 33% in Bond and 66% Equity, which I believe it is a comfortable range. Do you guys think this is a good strategy? Is it too Malaysia focused? Seeing both kenanga and am funds are domestic (i.e  66% domestic), do you guys think it's diversified enough?

Also, in terms of funds allocation, as I just began working, my income stream is still quite minimal atm, but I'm aiming to save at the range of RM1 to RM1.2k per month, so my question would be; should I use that 1k to acquire other funds to achieve a more diversified portfolio or should I just use that money and save regularly into those funds via the RSP program.

Speaking of which, what are your thoughts of the RSP program? Is it worth it to continuously top up abt RM200-300 into each of my respective funds, bearing in mind that there's always the sales charges involved? Or should I wait and accumulate more capital (and more importantly, experience) to see when is the right time to top up? I know that regular top ups are important to achieve Dollar/Ringgit Cost averaging but, with such minuscule amount, is it even worth it? 

Sorry for the long winded post but I have been trying to read and gather as much knowledge as I can before asking any questions so I hope you guys could help cast some knowledge into a newbie like me! Also, if there are any funds that you guys think have more upside potential, please let me know too

p/s: I'm starting to regret devoting that 1k into kenanga growth fund but I still have some confidence in the malaysian market, although admittedly I was attracted by its ridiculously good performance over the past 2 years, which I believe seems to be coming to a downtrend now.  Thoughts?

Thanks a lot peeeps and happy investing!