The quality of the question attracts the answers' quality..

BCTeh - will any human know "when something's price is at the lowest"?
Thus, how to answer your Q properly / value add, since it's a "loaded Q"?

IF your agent keep saying this is not the right way, what is "the better way" your agent suggested?
note - there is usually no absolutes (right/wrong) in life & investing, other than death & taxes

can you share your agent reasoning for that? 
are you investing in "Gold" billion?

interested in this too, as posted by MUM..."can you share your agent reasoning for that?"

if one were to believe this "that my funds will have more value even market crash"
he/she no need to wait-lor...

some of the EPF approved funds that has annualised returns < 6% for the last 10 yrs

Hi Guys, I am interested to take out a portion of my savings to be invest in Unit Trust, just wonder is there any highly recommended fund for newbie like me?

Dear Sifus, I got a friend said that investing in Public Mutual (PM) is a bad choice because of its 5% service charge. The service charge is rather high. I do not really understand because the reason I go into PM is because I do not know how to manage my own investment portfolio and I need someone to do that for me. My friend said that the return don't even high enough to cover the service charges. Need some guide here... please...