"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount.
Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust. Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher".
(extracted from Sui Jau's blog)

2nd lesson,...maybe...do consider the Sales charges...some are lower than others and also have more global choices.

ESPECIALLY in taming your inner fear & greed (no amount of knowledge will help).
EQ not just IQ

why PRS ? it's quite risky if u are young.. No volatility.. withdrawal before retirement tax 8%

PRS cannot be considered as investment.

If you want to group strictly, PRS acts like your EPF. It's part of your retirement planning.

just asking....is it ok to have the 3 other funds all from the same fund house?
ex...HSOF, HSAQ, HBond ...or Kenanga Growth Fund, kenanga Asia Pac total return fund, Kenanga bond..or Eastspring My Focus, Eastpring Asia Pac target return, eastspring bond?.....why i ask is that...the SC for switch between funds would be lesser or none in future?

a bit OFF topic...
i created a PIE chart using excel...
when ever i change some figures in the cell,.....the % number in the cell changed.....thus the shape/size of the pie (which is linked to this % also changed)...this is what i expected it to happens......BUT the data label does not change.....why? did i missed anything?..
ex...if i changed the figures.....A is now 20%, B is now 30% C is now 50%...then shape / size of the 3 pies follows the relative sizes...BUT the data labels that points to these 3 pies does not.

yes...bigger risks than spreading over 3 FHs
but also bigger rewards if just this FH did have a good insight...
look for the FH that has consistent fund awards that has the 3 funds you wanted?, look at their fund lipper rating?
just dun forget to look at their fund objective, mandate and risk ratings to see whether they are suitable to you.

A switch to another fund within the same fund manager = intra switch in FSM
for more info....
http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8922#4

i attached the file.
try to change the data in "YELLOW" cells...
others should be auto.
the figures in column "j" changed...the sizes of the pies changed...but the data label does not.

i used 2003 version  ...old man use old things

  ok..noted..
sorry forgive me for nagging again...(just want to "act" smart and wise)
words from the blog of Wong Sui Jau again...
"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount. Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust. Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash. The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher".

A common saying: buy low, sell high.

Question: Now that its dropped a lot, what would you do?

A. Panic, sell now
B. Wait, and panic if dropping further
C. Buying opportunity, buy now
D. Wait, and buy if stopped dropping
E. Continue regular/formula investments (DCA, VCA etc), no change
F. Wait and see what the Technicals say
G. Wait and see that the Fundamentals say
H. Sell your overseas funds

Me?  C, G and maybe H (yes, you can choose more than 1)