Is it a good time to join monthly investment plan for funds?

It always be good time to join monthly investment plan because the plan uses the dollar cost averaging method to ease off and even take advantage on the risk where the fund incurs. This is especially good for funds that have good future and with great fluctuation like emerging markets. A good combination can include funds in what we called 'BRIC' - Brazil (Latin America), Russia (Eastern Europe), India and China. No need to include bonds if your investment plan exceeds 10 years. You only need to switch your portfolio to bonds when it almost comes to maturity or you getting old.