what is PVS?

u cannot escape from SC and others charge/fees from mutual funds. u can get lowest SC from FSM.

i believe u hv max $ in ASB, emergency funds is not issue for u. plan wisely abt ur other commitment before commit for mutual funds. some time dont focus too much on charge/fees..... educate urself how to max ur returns in any investment u do.

its better u start with small amount on regular investment instead put a large lump sum. if u below 30, and a passive investor, force urself to save ur money in mutual funds monthly.
choose the funds which is match with ur risk tolerance. normaly for equity funds, the expactation around 7 to 10% compounded return in long run. if u get 5%, its still better than FD saving, if u get more than 10%, take it as bonus.
basicaly accumulating units is more important in mutual funds. what is ur goal. income or capital gain.

income is u get distribution income annualy and spend it. (bond/MM/dividend funds)
u need to hv more units to receive more income annualy.

capital gain - focus on capital appreciation in long run.
same if u hv more units, the gain is higher.

so, try to accumulate more units towards ur retirement and transfer ur money to income funds to receive income annualy.

so, u hv to plan how many mil units u need to hv for ur future.

simple example;
bonds funds can give at least 5 sen per units.
let say ur monthly expences RM5k = rm60k annualy

rm60k / rm0.05 = 1,200,000 units. which is equel to around rm1.2mil.

so, u hv to invest in equity fund  until u achieve rm1.2mil and switch to bond funds for annual income.

if u start early and re-invest the distributions(compounding interest), u may achive the units with lower invested amount than rm1.2 mil.

u can choose wahtever methods,...... DCA,VCA and any other methods u know to achieve ur targets.
for short term, dont invest in mutual fund.

make sure u and ur wealth, well protected with insurance.

my suggetion/sharing only.

Yup

the highlight only an example.

1. u hv to set goal how much u need in the future in unit trust.
2. work on it.

try this... http://www.publicmutual.com.my/InvestmentP...Calculator.aspx