i think i put 40+k on amanah saham 4 years back. too bad not bumi so need to take the package with sales charge. after 2 years breakeven, now every year average 6+%. Think of it also feel waste time. All small return. Few % only profit i can just spend one night inside club finish all.

sales charge 5% for ASG, if now got ASW2020 or AS1M (I think these are 0% sales charge for non bumi) slots then just go for it i guess. if ur tongkat race lucky you.

If you put money inside but dont know calculate also useless right. put up in excel sheet: current unit price, how much units u will get with rm 40k, sales charges. Then put assumption 6% return a year. Add another column for the sake of comparison if put at FD (4%). Then you will find that breakeven if compared to put at 4% fd is bout 2 years. After 2 years ur return will be 6%-4% = 2% higher than FD. Then let the compounding make more for you. All these considered low risk returns thats why i thought 2% extra profit makes no significance. Wish I can get the time to study stocks lol.