https://pictr.com/images/2019/06/04/5PFOJq.md.jpg 

Many people recommend buy equity fund. 
Change equity fund to bond fund when economic is bad. 
Change bond fund to equity fund when economic is good. 
From the screenshot, we need to pay sales charge when change from bond fund to equity. 

My understanding is
You invest RM1000 to equity fund, sales charge 5.5%
When you change from equity fund to bond fund, you need to pay up to 0.75%.
When you change from bond fund to equity fund, you need to pay up to 5.5%.

Do you think it is better we redeem/sell the units when the market is bad, and buy back again when we want to invest again?

Hi All, side track a bit. I purchased  a new fund recently from my agent. I used EPF withdrawal for this purpose.
Since finger print and signature is required, he advised me to do the same in 2-3 forms in case there is issue on my finger print. The additional forms are for backup purposes.

Is this practice normal and safe? I believe the form is only for EPF withdrawal for unit trust investment and will
be directly creditted to my unit fund account. Should I be concern at all?