googled and found these...hope they can provide you with some info while you wait for responses...

5 Pointers on Unit Trust Investing
Unit trust investing is an effective way of building long-term wealth. Successful investing involves having a disciplined mindset and a long-term investment horizon to help investors lay the proper groundwork to achieve their financial goals.
For this purpose, we have identified five pointers for investing in unit trusts:
https://www.publicmutual.com.my/Menu/Learni...Trust-Investing

PICKING A UNIT TRUST THAT SUITS YOUR PORTFOLIO
How should investors go about when selecting a unit trust for their investment needs? By following these few simple steps the selection process may be a lot simpler than you think.
https://affinhwangam.com/insights/investing...-your-portfolio

How to choose which unit trust fund to invest?
https://kclau.com/investment/choose-unit-trust-fund/

https://www.google.com/search?biw=1920&bih=...Dh1QMIDQ&uact=5

is your emergency funds filled up?

not sure how you would like your emergency fund to be....
Wahed is not as liquid as saving a/c or bank efd
Wahed has chances of losing some of the capital

usually when people talked about emergency fund,...they would want it to be liquid and easy access to it when in emergency

Are you planning to do the switch due to the performance or returns or for diversification considerations?

if for diversification,...
then since you have
Eastspring Growth fund and Small Cap fund and you are thinking about switching one of them to Dynasty Equity fund.....
1 is focused on larger cap while the other is focused on small cap....

why not split 1/2? reduce 1/2 of each so that you will still have small cap and large caps in Malaysia while you add in Dynasty?

where is this 17% allocated? in Malaysia?
when did you switch from HLDM to HLVF?

malaysia financial sector head wind....impending OPR cut again in Jan....
so if you just switched in at end of Dec...

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if the price starts to fall on the day you are selling,...then you may consider yourself lucky as it just started to fall.....
think , what if you had waited for sometimes after the start of the fall?...if it had fallen for some times...the selling price would be much lower ....

dilemma? dilemma

what if it were to be reverse scenario? then

while waiting for responses you can try this? hope it can provide you some info....

https://www.moneysense.gov.sg/investments

googled and found this site....
according to this site....

How to Calculate the Unit Trust Returns?
There are two components that derive the total return from investing in a unit trust fund.

https://worldbizweek.com/unit-trust-malaysia/

1. What are the charges do I have to pay?

2. How do I calculate the number of units I get?
Formulas:
Example:

answers can be found it
07. Fund Charges, Income Distribution, Dividend
https://www.fsmone.com.my/support/frequentl...tions?faq=Funds

both have some examples

just for comparing the performance between 1 Jan to 31 July 2020 Vs 1 Jan to 31 Dec 2020
just 5 months different and SOME things varies....

original from
https://www.aia.com.my/en/our-products/inve...-Jan-Jul20.html



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try page 42,...hope it helps
https://www.fsmone.com.my/admin/buy/prospec...usMYCIMB004.pdf

based on your query, you can try explore this...


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how much does all these 3 funds lost in just 1 months?...
if you happened to buy them on 9 Feb 2021 and held till now 9 Mar?

check the drop % and see if you can stomach those total % of losses and total $$ in MYR value too...

if i am not mistaken, it is something like this.....
RHB Global Artificial Intelligence Fund - MYR Hedged lost 12.37% in that 1 month (lost RM 618)
AmChina A-Shares - MYR lost about 19% during that 1 month (lost RM 950)
how much does this Kenanga Global Multi Asset Fund lost in that same period?

This post has been edited by MUM: Mar 30 2021, 01:25 AM

For his case,... Ask the person who suggested him that portfolio to buy.
I got those info from FSM site

in 2019 that kenanga fund lost 23.5%
in 2018 it lost 4.93%

if you can stomach the volatility then it is a good thing, since you will be focusing on the performance gained...
just make sure you don't chicken out and exit those funds during the drops...else you will suffer losses


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not sarcastic or wanting to hurt your feeling....
just that, if you are really concerned of those "fees", i hope you will reconsider unit trust as your choice of investment
those fees can go up/down in future....what if you noticed that the fees are higher than now few years later?....

NAV are the one that are used to judge how the fund performed....NAV are net of all other fees
i would forget about those fees if the fund gives me ROI that make me happy.

compare the past performance of this fund against funds of its similar peers to see how it performed VS it fees...

can you take the fund's volatility?
example....
2016, ROI 5.06%
2017, ROI 24.86%
2018, ROI - 11.53%
2019, ROI 18.13%
2020, ROI 31.10%

3-Yr Annualised Volatility = 17.23%
3-Yr Sharpe Ratio = 0.58

i would say, even for long terms investing, you will still need to do some monitoring and evaluation to determine if the "skills/luck" of the fund manager did change over time when compared with its peers.....Don't just buy and forget over the next 10-20 yrs....

This post has been edited by MUM: Apr 25 2021, 07:06 PM


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just read this on thestar

RHB AM launches ESG-focused fund, targets AUM of RM100m
INVESTMENT
Monday, 17 May 2021
https://www.thestar.com.my/business/busines...s-aum-of-rm100m

strictly for informational purposes only and shall not be construed as an offer or solicitation to deal in the funds or products referred to or contained in that Site

just a note to those that had been served by unit trust consultant Harani Kamarudin, previously attached with Eastspring Investments Bhd as a unit trust consultant.

https://www.nst.com.my/news/nation/2021/06/...rust-consultant