That time I was 15..bank officer which is my family friend handle for me.

Now FSM I'm handling it..clearly I got some reading to do about FSM

I remember there's a rule stating that underaged cannot invest in funds

Dafuq man? 20 years old still cannot invest? Minimum 21??

I am above 18 years of age and eligible to apply for unit trust. I confirm that I have read, understood and accepted the terms and conditions in the relevant prospectus and Fundsupermart website. I have also read and understood the Unit Trust Loan Financing Risk Disclosure Statement. I agree to be bound by the terms and conditions of the prospectus and Fundsupermart website. I hereby instruct and authorize you to carry out my instructions as indicated. I agree that you may transfer and disclose any information relating to me and my account, which is necessary for carrying out these services and/ or for compliance, to relevant entities involved in unit trust and the Securities Commission. I agree and acknowledge that the value of the Investment(s) may go down and up and by instructing you to apply for any Investments on my behalf, this risk which I am prepared to accept. You shall have no Liability whatsoever to me for any losses I may suffer as a result of the performance of any Investment(s).

u said u WERE 15 then...see your previous post

@FSM:
U have to tick the above otherwise FSM won't let u buy anything

Lol bro haha..15 was 5 years ago when I invest in pm..now 20

Pandai budak ni

haha did you tried last time? when capital short?   

Your banker could get into trouble for allowing you to invest...unless u invest using your ma/pa's name

To smooth out my entry cost over a few months

Exactly as bolded

Anyways..you got any recommendation on specific equity or balanced fund to take BASED ON YOUR EXPERIENCE? I plan to take up to 5 funds with RSP rm200 in each fund then cancel RSP when 2nd month as the guy told above and then add manually starting from 2nd month. Is it possible like that?

I'm asking your experience because I not sure which fund to choose..just asking ur opinion..thanks

woonsc u too bro, and opinion on which equity fund to choose? And my RSP method above can work? Thanks bro

@Arvinaaaaa you can actually leave the RSP there to pull from your CMF. If there is not enough funds, it will not create the contract.

The main reason u RSP so u can lock in the 1% sales charge for 6 months

Haha I gonna use that too! For my portolio~   
Well,     
since your still 20+ Equities is better for you, but you need to NOT sell when the whole market bad in shape..
Obediently DCA every month..

@Arvinaaaaa you can actually leave the RSP there to pull from your CMF. If there is not enough funds, it will not create the contract.

The main reason u RSP so u can lock in the 1% sales charge for 6 months

What's dca? Sorry not familiar with these terms/abbreviation
So what u telling me is to put RSP rm200 for 5 funds.. Then just leave it? So if I don't have enough fund for the RSP at the 2nd month it will just cancel the contract automatically?

BTW RSP= 1% sales charge , normal=2% sales charge right?

What's dca? Sorry not familiar with these terms/abbreviation
So what u telling me is to put RSP rm200 for 5 funds.. Then just leave it? So if I don't have enough fund for the RSP at the 2nd month it will just cancel the contract automatically?

BTW RSP= 1% sales charge , normal=2% sales charge right?

Dollar Cost Average
to reduce market volatility..

RSP 1%??             
don't think so.. it's the normal SC of 2%, unless you have Silver Gold or Platinum Status..

Exactly as bolded

Anyways..you got any recommendation on specific equity or balanced fund to take BASED ON YOUR EXPERIENCE? I plan to take up to 5 funds with RSP rm200 in each fund then cancel RSP when 2nd month as the guy told above and then add manually starting from 2nd month. Is it possible like that?

I'm asking your experience because I not sure which fund to choose..just asking ur opinion..thanks

woonsc u too bro, and opinion on which equity fund to choose? And my RSP method above can work? Thanks bro

New member benefit RSP 6 months 1% SC

on top of the 1% SC for lump sum investment for 30 days.

RSP is only for convenience...sales charge is the same as normal purchase transaction.

DCA = Dollar Cost Average, just another name for RSP

Dollar Cost Average
to reduce market volatility..

RSP 1%??             
don't think so.. it's the normal SC of 2%, unless you have Silver Gold or Platinum Status..

Ok..so I think what I going to do is choose 5 funds..RSP rm200 into those funds for the first month.
Then cancel RSP for the 2nd month, and handle it manually from there on

How? Or got any better recommendations?

I jut joined a month ago..
Just lost my 1 month lump sum.. sooooo..
do i still get that RSP 6 month 1%??