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Investing in European equity markets/Gold/Oil through Thai Banks

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As the Euro/Gold/Oil - are getting hammered, it should sooner should find a bottom and should come back to an acceptable level in a couple of years.

If one is willing to invest regularly on monthly basis for a period of 3 years in European feeder/Gold/Oil funds through Thai banks such as Kasikorn or Krung Thai:

1. Is it the right time to start investing?

2. Is there any better way of investing in European/Gold/Oil stocks considering the investing expenses?

3. Any other investing ideas for a return of about 20% per annum

Suggestions will be highly appreciated.

Thanks

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