Like I said you need to know why it fall. If you buy blindly then good luck in whatever you buy. You need to know what you are buying.

I bought the same one with you but I am +RM1xx. See the difference?  It's about timing. You bought at a high price and there was a major sell down on the eve of Christmas. I lump  sum in somewhere after the sell down so I am sitting on positive returns now. We bought the same stuff but essentially at different time. Kind of like shopping at Giant and Tesco. I shop my cooking oil when there's a sale (sell down happens).  You did not wait for sales to happen. You bought at whatever price Tesco/Giant was selling.

Unit trust is essentially stock market but you are paying someone to do the buying and selling for you. Like I said please  understand what you are buying.

If you cannot tahan such loss,  best to stick to safe investment.

What will I do if a sell down happens again?  I am prepared to buy again. Cash is already waiting for next buying opportunity. Why?  Cause you only make money when you buy at low price and not a high price. Majority of people see high price keep chasing high price (aka cont buying at high price).

So at Eh end of the day, you yourself need to decide what are you going to do?  Are you going to continue or you are going to give up?  What happen if next fund you buy drop in price?  Then you will say unit trust cheat people's money.

For me, I will continue but only when sales is happening. No sales, just seat quietly lo.
You must understand majority of the people cannot tahan to see their investment turn - ve and will lose conviction. So yeah a small drop like this will make them want to give up.