if you want to use your credit points, you need to switch from eastspring small cap > eastspring bond (earn point),

then switch from eastspring bond > emerging market (use point) . if you have enough points , you do not need to pay for the sales charge

if you switch direct eg, Eastspring smallcap > Eastspring emerging market , you'll be charge 2% or based on your tier discount, silver 1.75, gold 1.5 , platinum 1.25

for rhb funds you need to switch from rhb equity > rhb money market , rhb money market > other rhb equity funds , if you switch to other rhb funds other the rhb money market fund , you'll be charge rm25 switching fee

i think for rhb smart series, you can switch for free also, rhb smart treassure > rhb smart income (earn point) , rhb smart income > rhb smart treassure (earn point).

do note , each fund house has different minimum switching amount.

some houses charge switching fee bro. stated in the faq sheets regardless if within same houses. correct me if I'm wrong. driving now so I can't double confirm my statement