PRS is an investment product similar to unit trust but with a lock-in feature for retirement and tax deductible. There are 8 companies selling PRS and Public mutual is one of them.

This would need to depend on a few factors such as the expected time for investment, risk tolerance and investment objective.

If the investment is aiming for long term (more than 10 years), lump sum would be a better choice provided client have moderate to high risk tolerance with clear investment objective that he/she wants to grow the capital is high as possible.

If the investor is just aiming for short-term investments, or have conservative to moderate risk tolerance, plus don't mind settling for lower returns as long as her/his investment is safe, might as well go for DCA.

Answering your question in case you didn't find the answer you are searching for :

1) In comparison to most types of investment, unit trust is very safe. The concept of unit trust is made as such that the made is not held by PM themselves, as the money is hold by the trustee while PM job is just to manage the funds. Also, as long as the fund manager is reliable, it is very unlikely you'll lose money in the long term, but if you want good consistent returns, that's where picking the right funds and fund managers matters a lot.

2) PM provides unit trust funds. Unit trust are funds where the money is collected by the company is managed by fund managers to invest on stocks, bonds, money market instruments, properties, etc, depending on the types of funds and funds objectives. So there's no specific answer to your question but usually it's a combination of the assets I listed just now.

3) This would also depends on the funds that you are investing me. Certain funds focus on absolute return where they target specific return. Unit trust does not just give returns in terms of dividends but also in the forms of capital appreciation and profit distribution. Funds that gives more dividends are usually income funds/funds that focus on blue chip stocks/dividend stocks and certain types of bonds. There's no specific rate for all fund dividends so this heavily depends on the types of funds.