for my case, I am investor first then a consultant.
-before I invest in unit trust funds, I read their fund factsheet, location, past performance and also companies they invest. then the prospectus & annual/semi report.
-past performance just a guide. I look at funds gave min 10% annualized return (reason beat epf/asb + beat inflation + fees)
-List of top companies they invest also important for me. for local equity, when I saw some companies (heavily debt, no growth potential etc), don't give me confidence to invest in that fund.


as a consultant, first I ask client main target and their duration. then I looked at my own portfolio and usually recommend the most suitable among both aggressive and balance which match their targets.
it is my self satisfaction when both see the investment grow