the reason we do it online (PMO) is bcoz sales charge is cheaper (3.75%) compare to agent (5.25%, i think)

whether u assign agent or not , PMO still charge u 3.75%.....that why i use my frien as my agent (better give my frien than just buta2 give PMO aje)

and i do my home work b4 purchase.....diversified ur fund is the key word.....

Unit Trust is for long term investment, dont assume profit in one year, unless u pro in timing market (buy low sell high)

b4 invest, make sure u oledi spare some emergency fund (about 3 to 6 months of ur expenses)

but why PMO?    still got others platform give u cheaper sales charge , like FSM, eunitrust, CIMB click, Allocate Plus by Affin Hwang, ..................

Bcoz get many award by lipper ?......but last year is the harvest year for PM......