my fren recommend buy homeriz.....

monitor frontkn 0128 and karyon 0054

It's ridiculous to pay high sales charges to those banker, which most likely won't monitor and manage for you. Unless you got like high 6 figure amount. Hehe..

For FSM, there's portfolio managed by their professional team. of course with a fee. Forgotten how much but given that, I assume you are new in UT, so imo it's better to let the pro do their things while you slowly learn

Bear in mind, it will take 2, 3 years to have stable growing gain

Yup I agree that despite paying annual fee and sales charges, if pick the right UT, the annualised return is like 10%
But
Sales charge is like commission for the agent/banker and those that do research/monitoring are the fund houses/managers.
So I do mind paying high sales charges to those agent/banker but I don't mind paying annual management fee to the fund house/manager

For FSM it's a tier system, from 1.75% to 0.5% and there's another platform, EUT afaik theirs is flat at 1.25% but I never use it so not much comments. Tho I do recommend if you plan to have 6 digit and long term DCA, fsm will better choice since at 250k the sales charges is 1.25% and if you subscribe to their insurance, it's 1%.

Being new is ok, for every new investment tool we start from 0. Also depends on what and why you want to invest in UT

For me, fsm is a way for me to diversify to china and Asia market.