Hey guys, i am v. new on this so have some questions...how do you guys determine when is a good time to buy a fund? Is there a specific time when the fund price is Low eg. After distribution? Also do you guys rely in buying under 'fund recommended by fundsupermart' section? / Also what are the returns that you guys have on average per annum? (after considering gains & losses), can you get around 15% per annum or around 6/7? ....thanks and sorry for the many questions