take your time (but not too long a time) to study...
in the meantime read page 1, post 12....
for some extra tips....

I done the same like you too. Just recently started to play around with UT's..

Sifu here taught me to save up rainy day funds with CMF2..

force urself to contribute to UT every month, make urself addicted. it'll be worth it 

this 3.5% fluctuate...(just a bits)
yes you can withdraw anytime but has transaction period is of a few days....not like ATM where you can get monies out on the spot.
as for this..." how much do you guys normally purchase for any UT"....it depends some just a hundred (or minimum allowed) and some a hundred thousand...it depends...

yup every month, because u want long term investment ma  of coz must contribute every month.

go read about private retirement schemes too. when you buy PRS, it helps reduce income tax too, up to 3k per year relief.