If you feel selecting fund is so difficult maybe you can put your money in ASM or ASW it is 99% safe. 
With average return of 6 - 7%. So far is the best unit trust which can weather you through good and tough market conditions. 

Those are open for public but it is usually fully subcribed. The ones for bumi include ASB (which I read is very good for obvious reasons) and others that I don't bother to check out their names since I can't invest