Predict, pick, right fund / sure untung, etc etc.. sounds more & more like genting / trading
VS
asset allocation & sub-allocation plan
executed consistently with DCA or VCA & rebalancing if needed..

hm.. either influx of newbies that have never seen 1997-1998, 2001, 2008-2009 or just bad recollection / can't remember..

DCA all the waaaaaaay.
In this case, RCA I guess 

DCA = dollar cost averaging. Lets take the example of purchasing UT.  The idea is that because one doesn't know whether the price of funds will go even lower, it is more prudent to spread ot your purchases so that you don't buy at a higher price.

Suppose you have rm30,000 that you want to buy UT. Instead of investing all 30,000 now when the UT funds might go down further  (eg Trump carzy policies, more bad things discovered in GLCs, US interest rates increase etc). You park say rm20,000 at money market funds earning about 3.5% interest, and invest 10,000 at equity funds. In the next month, you invest another 10,000 in UT while leaving 10k at the money market. In the following month you invest the last 10k.

The converse also applies to selling.