i think ppl rush in and buy during merdeka promo, even drop 1%, u still earn 0.5% if u buy at normal charge 2%. That's y those buying with public mutual manurelife agent 5.5% sc, need how long to recover? summore i got fren enter at high, then msia drop like flies, his fund negative double digit until today also cannot recover. Even u buy bond also kena charge at those agent, 5 or 3% i forget oledi. i think is also 5%.

to me, less sc mean u squeeze more value/unit out of ur investment.

Do you think there's a Malaysia day sales?

What are the promos that they usually have.