the price of UT is in NAV per unit (Net asset value)
this NAV price changes almost daily (lower risk funds changes less than higher risk funds)

Example :
•NAV price : RM0.50
•Sales charge : 2%
•Investment Amount : RM10,000

Buy at 2% sales charge
If you invest RM10,000 into the fund at a sales charge of 2%, you will receive 19,607.842 units.

Investment amount = RM 10,000/1.02
= RM 9803.921

Units = Net Investment Amount /NAV price
= RM 9803.921 / RM0.50
= 19,607.842 units

YOu did not sell you did not make money,...
if the economy is good during the first 1 and 2 years, the NAV increased to RM 0.80
if you sell you will get back abt 19,607.842 X RM 0.80 = RM 15 686.27
therefore if in year 3 economy is not so good, the NAV dropped to RM 0.40 NAV
if you sell you will get back abt 19,607.842 x RM 0.40 = RM 7843.13

hope this is clear to you....

no,i didnt do it by Public Mutual.
my platform are the following : CWA & FSM.
as for my CWA, it starts to give me 10% per annum.

someone plz explain " eunittrust/phillip mutual" ? contact?

correct. people love to tell the whole world their success, but would hide their loss / failure at all cost 

Man, my UT in CIMB CWA and Dali had dropped like water for past few weeks

Should I withdraw the current capital? Reinvest when the price go lower?

Hi guys, I currently have Manulife India equity fund- worth it to maintain it? NAV going down