This thread has the really damaging potential of misguiding a lot of new investors by focusing on the costs.

The best time to invest is when the valuations of the funds are considered cheap, so you can achieve the best returns.

The best time is not when the sales charges are cheap. Learn more about Unit Trusts if you don't understand that means.

Please do not just look at the sales charges and be "led up the garden path".

As always, buyers beware. Know what you are doing before you hand out your money, because you may get back a lot less.