I'm new to this, and just signed up for a FSM account. I have been looking at the CIMB Principal Asia Pacific Dyanmic Income Fund for the past few months, the returns over the past 3 years have been pretty superlative, but how do you guys know when is the best time to start investing in it? Past performance is no guarantee of future performance of course, and given the returns for this fund over the years who's to say the fund is past its best now? I'm looking at the country allocation, 4% is in China now when a few months ago it was around 15-20% I think, so I guess they pulled out of china when the markets there tanked.

I'm tempted to buy into the funds now especially with the 1% sales charge, my investment horizon is medium-to-long (4-5 years), any advice you guys can give?