yes,...like mentioned by ChessRook....this year is not a good your for Equities.....(just a few UTs managed to stay + YTD)

if you had just invested thru those fund house that charged 5.5% SC....your losses would be more
KGF at 30%, may I suggest that it be REDUCE it to 10% then go more into GTF and TA Global tech

AHBF at 5%,...I think it would not have a much impact as a stabilizer of your port....
switch to India

thus you will have

Supplementary Funds
- Affin Hwang World Series - Japan Growth Fund              6%
- Manu India                                                                  5%
- Ta Global Tech                                                            5%
- Eastspring Investments Dinasti Equity Fund                  5%
- Eastspring Investments Global Emerging Markets Fund  5%

Core funds
- KGF                                                                            10%
- CIMB-Principal Asia Pacific Dynamic Income Fund - MYR 5% + 16% PRS
- CIMB-Principal Global Titans Fund                                18%
- United Global Quality Equity Fund - MYR Hedged            25%

above are just my agar agar uneducated guess ONLY...Caveat emptor

I supposed drag you down the most is KGF.

but you have the united quality that should lift you up. is it lump sump port or DCA port.

if DCA the port should be lesser...

YES.

yfiona, is the amount of SC to be charged (in monetary value) a concern to you?

usually DCA is to smoothen the volatility of NAV movement
the volatility of this fund does not justify DCA.....
unless one invested "a lot" in it where a 1% movement in a few short weeks means a lot...

current economic situation would be more profound in EQ than bond fund
yes,....current economic condition CAN affect bond fund too....
just recently there were some posts regarding a certain bond funds dropped abt 4% in a day due to some problem with the holding

For DCA ， pls look at this video

https://youtu.be/U_A95yWC2eI

in brief...what does it shows/proof?

if your port has no other m'sia coverage fund
if you are not in need of money.
try keep it for another 1 yr....
if nothing bad ever happened between now and then....I "think" this 8.8% will most probably "can' recovers.

of course, for from their experience, there are more better "to be" performing funds out there than KGF.
think of it in a bigger picture....buy allocate accorning to your risk prefernce....
do you need it in your portfolio of a longer term investment?
or
do you need it in your portfolio of a shorter term investment? (like short term goal of making 10% hit and run bet?)

if you are to DCA...better DCA into another fund....as each DCA will increase your allocation to KGF.
if your % of each DCA is insignificant value to the value actually inside KGF, then the average cost will takes a long long time to be affected...
example,...if you already have RM10 000 in KGF, each monthly DCA of RM200 is just of insignificant value....to have impact of averaging down the purchased cost of KGF.....it will takes a long long time to have impact.

Anybody regretted buying managed portfolio? i bought the aggressive portfolio around mid 2017 and until now only +2%

My own UT portfolio also already recovered with additional profit of around 7%. Pay management fees but performance even worst the my own....

Distribution will play havoc on the nav

U can add the fund u want to monitor under the FSM watchlist. From there u can sort the lowest 52 week / 1 year return. FSM already adjusted the return for distribution. So no worries on there. U dont go pandai2 go compare NAV yourself. Sure will be wrong.

Or alternatively u can actually built one using excel.

Why not select based on the better performance fund among its peers?

If based solely on price and its lowest point, how to be sure it is not simply a bad fund that performed poorly when the market is down and yet when the market is going up, it does not rebound higher than its market or benchmark index.

Take note that mutual funds are "actively managed" and consists of a pool of stocks selected by the fund manager.

The same stocks or the volume held in the stocks may not be the same all the time. So how can we know whether the selected pool of stocks is the "best value" to buy at any particular time?

If you want to time the market and choose to buy when the market index is at a certain level, it is still ideal to select and buy the better, if not the best, performing fund among its peers based on past performances.