Are u sure the sharing above is for kinder garden?
Please do not try to attack people here.

OK, this explanation very the kinderjoy level, I understang very gooding.

But hor, now I want planning to do the switch funds wohh. As you said hor, when financial year end that time, NAV will dropping mahh. So I switching lohh when the NAV is very the low...means I making big moneh lahh is it like that?

Ohh thanks for explains to me using the tabika level theories.

But hor, how come when NAV low then units will up wan? I thought units is directly the proportional with NAV wan, not???  

Cuz hor, every time I see my PMO hor, when NAV low my units count will low also wohh. Aiyoohh, so difficult to understank wan.

I got find Brother Gugel before...but hor, all the websites that got the explain the unit trust wan all also full of financial jargons which I found it very the hard and difficult to undershank.

Boss, can you please answer me this very the simple questions ahh? (Simple by your standards for sure!)

1. Me now holding on to Fund A.
2. Fund A very the high NAV.
3. I want switching to Fund B, which haz low NAV cuz Fund B baru saja financial end year.
4. Profit?

Thanks a lot boss!!!!!!!!!!!!!!    

-edit-

I am assume Fund B will increase lohh.

YES!!!!!!!!!!!!!!!!!

I love you mang!!!!!!       This is exactly what I tokking about!!!!!!!!!!!!!!!!!!!!!

So you meaning this way to making big moneh will works lahh is it??? Please see my previous post for a better idea of what I wanting to do... Here:

Ermmm, got any kindyjoy explanations ahh please?     See all those numbers making my head spin like this.

Let me take a shot at explaining this.

First you need to understand that different fund has different unit face value. Example Fund A is RM1, fund B is 25sen and fund C is 50sen. If you do not understand what is face value, Google face value. At value of RM1 = 1 unit Fund A, 4 unit Fund B and 2 unit Fund C. So, you cannot compare NAV of fund A to Fund B to Fund C because they have different face value.

But if NAV for Fund A is RM1 and NAV for Fund B is also RM1, then Fund B is very expensive because the value has gone up 4x from initial price of 25sen to now RM1. But of course the manager would not allow Fund B to become so expensive, they will try to bring the value back down to 25sen again by "dividend redistribution", in this case, divide the 1 unit into 4 unit and bring down price to 25sen. 1 unit x RM1 = 4 unit x 25sen.

Now to your question.
You may not make extra money if Fund A has high NAV by switching it to lower NAV Fund B but lost switching fee instead.
Example.
Fund A face value is RM1 and NAV is now RM1.50. Let say you have 1000 unit.
Fund B face value is RM0.50 and NAV is now RM0.60
When you switch from Fund A to Fund B, you sell Fund A for RM1500 and buy Fund B at RM0.60 and get 2500 unit of Fund B. RM1 x 1000 unit = RM0.60 x 2500 units. In fact you might get less than 2500 units if you need to pay switching fee.

What will make you more money is how fast NAV will go up. If Fund A value is going up at 20% a year and Fund B value is going up at 10% a year, you will make less money by switching from Fund A to Fund B.

I hope it is clearer to you on your plan to switch.

Wow! Thanks for another kindergaten explaining for me!!!     Let me trying to digesting it first ok. If got anything can PM you ahh please???

Aiyah Pink, I know lah but since he don't understand so many being written, I just want to make sure he is not comparing funds of different par value and thought it is cheap. Apparently he knows that thru his RON example.

Thanks you very a lot for the figures!  

Not really got understank what the other experts haz telling me. Somehow I can't seems to digesting the terms used in their explanations. Maybe I am the stupid.

Just bought myself PISSF. any comment on this fund?

For u could b peanut, for others every cent count

Your friend's agent is his mistress or wife? 
Dont allow to sell off all units? rich joke.
Can a bank teller or even a bank "dont allow to take out all YOUR money?"

Answer: Yes U can sell off everything PM

When PM charge mgt fees?
Daily - into the NAV
No way U can escape from mgt fees.
Good try but they've an army of paid brains...
eh U the same chap on the Hong Leong Income Builder?
Stop trying to outsmart these folks lar - try to understand what the heck U are getting into in the first place.
"Dont buy a tractor when U need a car".

thank you j.passing.by for your feedback, shall re-adjust my table.

2 more question which i'm not too sure

1. Distribution Units - since im new investor - i don't need to take this into consideration yet right? Because i dont get it yet

2. Annualized the profit/loss % - not too sure how to work on this formula..

I am too lazy to do that...