2.5 years is too short in terms of UTF investment (doesn't matter from which company you buy from). Usually after 2 years, review and see the overall performance, if needed, switch to a trending fund where they explore into industries that are gaining momentum. But generally, at least 5 years you'll see your annualized gains after consistent investment throughout this period (taking into consideration bearish and bullish markets). If you're looking at it as fast income, then UTF is not for you, better you spend time to learn trading. Use the rule of 72 to calculate how long to double your investments.

MCO time was generally a good time to invest... and yes, markets kept dropping until recently (March 2024 - now)... this is mainly due to the external global issues spoiling everything for everyone from all directions. However, relook into the funds that you have invested into, don't sell yet, might have a solution for recovery. PM me if you want some advice and a review with no strings attached.