Investing in UT through Fundsupermart saves you on the sales fees, but the high management fees are still there. it may still be your cup of tea.
in general, agents would quote you 10% annualized return for 10-year periods for equity funds. It could be higher, but depends on WHEN you are asking.

For straight forward cases, I do not charge, i get my commissions from the bank. Banks have 3 channels to distribute their loans - branch bankers, mobile bankers, and outsource brokers like myself. All these channels will have their pay, be it in the form of salary, commissions, or a combination of both.

Malaysians do NOT like to pay fees upfront, so the fees for "financial  planners" have to be absorbed into the loan/product itself - i.e insurances

On the second part of your questions, same. no fees are charged to you. But keep in mind that I am getting my commissions from the bank that you sign up for, and insurance companies that I am attached with. So indirectly you would be paying one way or another. Most agents don't like to talk about this; but smart consumers know that one way or another, they are still paying for the agents' or employee's work.
I can't say at all based on such a wide audience... it depends on your objective, investment horizon, capital, bumi/vs.non-bumi (yes it matters, bro      ), etc.

As it is though, I am not promoting any investment schemes - not a UT agent nor employed for any banks or fund houses.

And I just replied. Hahaha