not increase , not decrease, meaning oil price still maintain at current level...

which specific fund ya ?

Now the question is which fund house/funds would you recommend? My investment horizon is about 5 years.

a forummer "Vanguard 2015" once highlighted this overlapping called "Diworsification"
http://www.investopedia.com/terms/d/diworsification.asp

The process of adding investments to one's portfolio in such a way that the risk/return trade-off is worsened. Diworsification is investing in too many assets with similar correlations that will result in an averaging effect. It occurs where risk is at its lowest level and additional assets reduce potential portfolio returns, as well as the chances of outperforming a benchmark.

The term was coined by legendary investor Peter Lynch in his book, "One Up Wall Street," where he suggested that a business that diversifies too widely, risks destroying their original business, because management time, energy and resources are diverted from the original investment.

BTW, how do I know if funds are correlated? Thanks again.

It’s an election year, and candidates can’t stop speaking about our country’s problems (which, of course, only they can solve). As a result of this negative drumbeat, many Americans now believe that their children will not live as well as they themselves do.

That view is dead wrong: The babies being born in America today are the luckiest crop in history...

For 240 years it’s been a terrible mistake to bet against America, and now is no time to start. America’s golden goose of commerce and innovation will continue to lay more and larger eggs. America’s social security promises will be honored and perhaps made more generous. And, yes, America’s kids will live far better than their parents did.

wanna try this?
http://www.phillipfutures.com.my/education/seminars/

if you mean sales charges.....then this might helps....
http://www.fundsupermart.com.my/main/prs/g...tePRSTable.svdo

Y until May 2016 ony?