Asked on 14 Mar 2019
Try not to buy Unit Trusts (Mutual Funds) and diversify to different countries.
Your fund has potentially high initial sales charge plus high annual fees.
When Your strategy is investing into dividend funds, I'd recommend to look into
passively managed Dividend ETFs. They are much cheaper (about by the factor 5-7x) and reducing investement costs is of utmost importance.
But You cannot only gauge the performance of the selected fund by fees and annual dividends alone, you should also calculate the fund price development (capital appreciation):
Real performance = Capital appreciation + Dividends - fees - inflation
For inspiration on cheap & successfuls dividend ETFs you may want to read the english language version of justetf.com:
For more on my thinking:
Think just looked at their top 10 holdings and weightage, and buy it individually and save yourself the fund mgmt fee of 1.25%