I have roughly 12% of IDS in my portfolio.

Last year was great for IDS.

But  this year IDS down alot.... Negative 15% for ids

PMMMF is now at 3.7%p.a!!!!

Not necessarily. Since I invest primarily in SG, my I started with SGD12k only. Allow me to buy 3 reits only. But 3 is more than enough as they are already giving me >6%p.a dividend. You don't need to be HNWI but as you are starting with small amount, cost is very important.

SG UT also same like Malaysia. Starting only cost SGD1k. Subsequent purchase is SGD1000 or SGD500. Only differences is it is SGD and not RM.

With active work + dividend investing,  you have more money to pump back in. Eventually your dividends will enable you to buy a counter on it's own. No discount just wait for price to drop. There's no hurry.

My amanah saham is my last resort watchest. Should 2008 happen again, that will be unlocked. For now,  I am not touching it.