Does FSM still telephone call the new registration users for verification or is everything done through the website without anymore direct call-up to the new users?

1st time user still have discounted sales charge for all funds?

Btw, regards to the RHB CMF2, that one is without sales charge right?

Okay, so let me summarize see if it's correct?

Bond Funds are exempted from salescharge.
Ie. 0% sales charge permanently as I read (that includes CMF).

During non-promo period,
New users normally given discount of 1% sales charge (for 30 days) instead of 2% which apply to old customers for funds that are not 0% sales charge.

For promo period, for example now till start of Aug,
all customers enjoy 0.8% sales charge for funds which have a sales charge.

In recent history, which are some of the funds that generally outperform the ASNB FP funds?

Based on the screenshot, Affin Hwang Select Asia Quantum tops the chart with 21.99% 1 year return. So theoretically if one invest at the optimum time (whatever that is, which yields that 22% pa), that means it surpass ASNB FP by about 14% pa., correct?

Assuming, ASNB FP at 6%,
Affin Hwang Asia at 22% - (entrance fee of 1.xx% or round to 2%) = 20%
20% -6% = 14%