1. How secured is your job? Can you easily get another job (if retrenched) within 6 months? Or do you actually need more than that to see through 6 months without income, yet able to settle all monthly installments & expenses?

2. Long term - is just a concept and everybody has a different time frame for these 2 words, and often misused. To me, long term can be more than 20 years; and to some anything more than 5 years. So, take into account what is the investment objective, then put in an appropriate time frame to achieve the objective.

4. There may be several and different objectives running at the same time. So put this into consideration and don't lump everything together; separate them and view & review each savings/investments to each objective.

5. Any objective less than 5 years, consider less volatile/agressive funds - so that when you need the money, you can pull out at anytime. Murphy's law applys, which goes something like this: When things go bad, it will goes bad at the wrong time. So don't get caught by some market downturn when the funds were at their lowest value, but you need the money and cannot delay...

(Less volatile funds will also go down same as the more volatile funds, but they go down less and with lesser pain...)

6. 10 years and more, consider riskier funds. Higher risk, higher rewards. See the recent posts exchanged between me and Pink Spider.

7. RSP - that's the way to go. Even that article linked by a regular poster, What Should You Do If You Invested At The “Top”?, can be summarised in 2 short sentences: Didn't do RSP er? Too bad.

8. Of course, all of the above you already knew - since you have already stepped into UT. Actually nothing much new to tell, UT investment can be as simple as it can be - not rocket science or anything much, except when investors wrongly thought there must be some secret formulas not revealed to them and preventing them from getting their fair share of untold riches that can be had.

What's the sales charges?

The 3 funds you're looking at are all local, small/mid cap funds. You can probably put in KAF Vision, RHB Smart Treasure into the same list too.

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