GAF is a global BALANCED fund, u sure u want exposure to bonds? If yes, go ahead.
1. FSM is (previously) under OSK, now under RHB. Licensed/accredited by Securities Commission and Federation of Investment Managers Malaysia.
2. Min is different for different funds...go see the fact sheet/prospectus of the funds that u are interested in and FSM website.
3. Talk the FSM Client Investment Specialist...it's a free service. Go under "Contact Us"

RSP has no return. It's called regular saving plan; monthly contribution to the nominated fund at as low as RM 100.

Unless you park your money into CMF (cash management fund) and perform RSP from CMF to the nominated fund.

The main reason of RSP is to achieve DCA - regular top up regardless the timing of the market.

As I said earlier, RSP in FSM can be executed in 2 manners:

1. CMF (earn interest via the yield difference) like normal FD
2. Nominated saving account from participating banks

Please read through the details in the link I provided earlier.

RSP is a disciplinary approach to achieve DCA and as human being, we tend to forget under manual mode.

Most of the fund required a minimum of RM1,000 for first investment.
Then subsequently you can enter with RM100 for the fund.

RSP is about you choose the amount you desire monthly to enter a particular fund.
Lets say I want to buy "ABCD fund", but I don't have much money for initial investment.
This RSP help you manage your money by regularly enter RM100/RM200/RM300 per month.
So every month I bought more units with RM100/RM200/RM300 on a particular fund.

It works the normal way, but you're averaging your entry point.

What I want to remind you UT doesn't always make money, it may lose money too.
And is a long term investment.

You will see this under the fund page.
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1. If you got the money for the First Investment then, you just do it manually.
2. If you don't have the money for First Investment then RSP may be your option.

Equity / Balance
Depends on your risk tolerance.

Dunno leh. Maybe cannot.
You go and read the FAQ, and find the "sink hole" lo.

Unit Trust 

haha 
you really need some reading to do..

http://www.myunittrust.info/index.php/abou...t-is-unit-trust

  hope to answered your question..

5 years investment in PM & u learn nothing at all?

Dont tell me that u only blindly invest in PM?

RSP (Regular Saving Plan) for FSM is equivalent to DDI (Direct Debit Instruction) or SI (Standing Instruction) for PM...

5 years investment in PM & u learn nothing at all?

Dont tell me that u only blindly invest in PM?

RSP (Regular Saving Plan) for FSM is equivalent to DDI (Direct Debit Instruction) or SI (Standing Instruction) for PM...

Btw, how's ur PM investment performed? How do u really get into investment in the 1st place?

Oooohhh... that's explain a lot then... mine in PM is almost 4 years old

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

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

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

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

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..

"Q:  What are the New Account Benefits?

A:  With effect from 02/02/2012, Fundsupermart.com Malaysia will be providing exclusive benefits to new account holders.

These benefits include:

1) Sales charge capped at a maximum of 1% (normal FSM sales charge is 2%).

2) Regular Savings Plan (RSP) sales charge capped at 1% for first 6 monthly deductions.

These benefits are applicable to UNLIMITED purchases of ANY unit trust, up to a period of 30 calendar days upon account activation. However, these benefits do not apply for funds listed under Hwang Investment Management Berhad."

"Q:  What if there is a monthly deduction failure on my RSP?

A:  In the case where you do not have sufficient bank/Cash Management Fund balance for the monthly RSP deduction, and the RSP transaction fails, this failed transaction will still count as a monthly deduction and you are deemed to have enjoyed the New Account Benefits."

"Q:  Do I need to have an initial investment before starting a RSP? What is RSP Specialist?

A:  You can start your RSP from as low as RM100 per month for most of the funds without having to fulfill the minimum initial investment amount. EXCEPT for OSK-UOB Institutional Islamic Money Market Fund as well as funds from CIMB-Principal Asset Management Berhad, MIDF Amanah Asset Management Berhad and Hwang Investment Management Berhad where you are required to invest the minimum initial investment amount first before starting the RSP.

RSP Special List is a list of funds which enables you to start an RSP at the minimum RSP amount without required a minimum initial purchase.

Please click here to view the funds."

@woonsc if it's past your first month then it's too late.

@arvinaaaaa
1. Choose 5 funds and start RM 200 RSP via CMF
2. Manually buy CMF for your first 1k and on the 15th, it will auto transfer into your selected funds
3. Manually buy CMF every month. If you have enough balance then it will auto transfer into your selected funds on the 15th. I think it will do partial transfers if there is not sufficient balance and if no balance then no transfer.
4. Enjoy ur first 6 months of 1% sales charge

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

Which 5?

  when you withdraw money..
They send you checks instead of banking into your Bank Account..