Yes. I did.

Through I am agent for PMB, I still invest in FSM without any issue. No issue on Service Charge at all in FSM.  

It depends...
IMHO:
IF you're looking at holistic and total costs for the long term (10 yrs and more), say EPF a/c1 funded investments, there is no 1 fund house in FSM that has both "slightly above average" equity funds AND bond funds. FSM has good equity funds & bond funds but IMHO, not within 1 fund house, thus cant do INTRA switching.
Thus, SWITCHING between INTER fund houses in FSM costs about 1% to 2%? Please correct me if i'm mistaken  (i actually hope i am, thus i've got another avenue for investments)

VS

Public Mutual's funds which have  "slightly above average" equity funds AND bond funds, which one can switch to/fro for Asset Re-allocation (Tactical or Strategical) / Profit taking / etc.
Mind U, moving $50K, $100K, $200K, etc. several times within 10+ to 20+ years at $0 VS 1% to 2% makes a difference.

Thus, FSM just MAY not be "cheapest" in the long run in this perspective.

BTW, i'm assUme-ing investments via EPF lar, where most working stiff has the $ and doesnt affect "real" cash flow until retirement.
Thus, PM's cost is 3% (if one's one best customer-agent, cost is approximately 1.7%) for equity funds, not 5.5%

Just a thought and hope to be corrected, especially the cost of INTER switching costs for FSM 

Effectively and approximately, yes.

Technically, for EPF investments, still paying 3%.
Out of that 3%, 1.75% (or was it 1.7%, i forget the small numbers) goes to Agent.
Thus: 3% -1.75% +income tax(commission 1.75% *26% my personal tax rate)

For agents' cash investments there are 2 options:
via cold hard Cash: 5.5% - 2.75% +(2.75% *26%)
via Commissions Direct Debit Instruction: at NAV cost! but commissions MUST be able to fund those DDIs

IF U are personally investing RM10K of yr EPF per annum or MORE
+ U can get another $20K+ of "sales" from your family members' EPF/cash
THEN it makes sense to be your own agent + sustainable in meeting PM's quota per annum

I've done the calc (havent U noticed i'm nuts with calculations? literally cost/benefit analysis + calculated risks) and it makes sense, ESPECIALLY when one gets detailed data for further analysis to enhance one's + family's investments.

Er.. your mileage may vary greatly - especially if you're not the active/hungry investor/knowledge type yar 

If yr agent dont want to share share calculations, ideas, etc., U can always pm me

BTW, dont get me wrong yar - i'm not into recruiting or sales, i'm saying if your agent isnt an investor at heart (risk mgt + stats & probabilities), we can still bounce ideas off each other here or teh tarik sessions.

I think not low enough yet... But if you do it regularly and looking longer term for this fund, then timing is not so important..

no recommend...but.. suggestion only....
Public Dividend Select Fund,
Public Growth Fund,
Public Islamic Dividend Fund,
Public Regular Savings Fund,
public saving fund,
p ittikal fund,
p index fund,

ask her to read the prospectus first for the involved risk.

PISEF is aggressif.. our freand asking for medium/moderate funds.