Not sure about PMO but FSM do have such feature with lower SC

But you need to ensure what fund you invest

Normally rm1000 to start and rm100 to top up, however you can start with 100 by subscribing to RSP (monthly regular saving) in FSM

You are right, but is better to compare the same sector region and class between peers to see which fund house provides the best return or risk return ratio

PM SmallCap is a OK fund, but it has got a much better peer in the same class - the Eastspring Investments Small Cap Fund. Be it over 1, 3, 5 or 10 years, the Eastspring Small Cap Fund outperforms the PM Small Cap fund.

Edit: Of course it goes without saying that Small Cap funds have a high volatility, so it should never be a short term investment (1-2 years). It should ideally be a long term investment for 5+ years. This is because it could swing from +30% to -20% to +10% to -5% to +40% in a five year period for example due to the volatile nature of the small cap market. But once you annualize it over a long term, you get very respectable return rates per year.

I don't know about FSM, but logically you can manually do it. Today put in say RM1,000. Then in 2 months add RM150. Then in 5 months add RM350 etc. Should definitely be possible. Minimum top up amount is usually RM100 for unit trust funds.