Hi all, im very new in ut. Can suggest me good blog or website for ut dummies like me?

Such as how to choose a fund? Does annualised return is a good indicator? What other indicators? Can i use lippers or morningstar as a reference?

Coz when I look at certain fund, on paper the return is not that good but many utc promote that fund.

It like their hot selling fund. For eg public mutual will always promote small cap, cwa with dali and dali 2, rhb with smart treasure and smart balance. If i ask those phillip mutual agents they will promote kenanga and eastspring. Im a bit concern about shariah hence all the shariah funds

So you mean the right way is set a target and goal then only look for funds? Not just pick those funds with high annualised and invest in it?

Ermm pardon guys for my noob question.

Many of you seem invest in 5-6 different funds. I understand it for diversification to minimise risk right?

So is this means those who just invest in only 1-2 funds (those who invest under utc mainly) will not make full of their investment? Is diversification the only way to go in UT?

Because many of person I knew withdraw their epf to invest in UT. Ranging from 10k to 50k.