well...if u compare to US type mutual fund......their fund is way diff, some even quite profit when market go down.....while malaysia one is like buy when price is extremely high n sell when price is very very low

if 5 years only 10% p.a average i think maybe i can earn more with foreign fd alone?

I want to know can a public mutual fund price drop until 0.00??????

transiting from a pure saver to an investor can be a nerve wrecking journey.. you'll soon come to terms with the paradigm of "risk & return".. i was like you, a pure saver.. and i made the crossover to be an investor about 6 years ago.