Calculations can either be
1. cumulative - total growth for period : (end-start)/start
2. annualized - average growth per year, compounded : CARG/Future Value calculation
3. calendar year - performance for year : (end-start)/start same as cumulative, except time set to 1 year.

Distribution already taken into account.

While the information on the link attached is 100% legit, I don't think what lukenn contradict with it at all

performance takes into consideration the effects of distribution means it doesn't just take the fund price changes but also the additional units distributed; otherwise you would end up with much lower returns when the fund price become lower after distribution

Can't help on PM UTC commission, I've no clue

First, welcome to this thread where I tried to explain the basics of unit trust funds as simple as possible.

1. UT fund is different from gold price. Its performance table or growth table is not based on its NAV price or its distributions. The growth is its actual net growth between 2 points in time.

2. Please read further in this thread or elsewhere how the income distribution would readjust the NAV price per unit.

3. Let's take this performance chart as an example. http://www.publicmutual.com.my/application...formancenw.aspx (Sorry, only the link... as I don't know how to embed it.    )

The performance chart for 1, 3, 5 or 10 years is a moving chart with its starting point from the respective years till today. It shows the total growth of the fund. It is a simple chart charting the growth of the fund throught the years. Usually in performance tables in articles, ithe figures are annualised.

4. The Year-To-Date (YTD) figure is the growth for this year.  In the above linked performance chart, select "Date range from" and put 31/12/2015 as its starting point, and today's date as the ending point.

5. Annualised means that it is a sort of 'average' figure for each year, except that it had taken "compounding" into account.

6. What some people failed to comprehend in reading the annualised numbers is that they misconstrued it as the annual or yearly growth; while in truth, there could be good years and bad years and the growth can be positive as well as negative at various points in the charted time period.

7. Looking at a growth chart showing all the growth points throughout the respective years instead of seeing a single annualised figure would help to dispel the miscomprehension in (6).

8. The growth performance charted is the previous years... how will the future fare is open to all speculations. But one thing for sure, 100% certain, is the ups and the dips which is clearly shown in all performance charts.

(Hence the strategic method of regular buying ("Buy, buy, buy') at the accumulative stage is always advocated. LOL Am now sounding like a UTC out to get his commission.  )

Cheers.

try this....?
http://www.ppa.my/getting-started/funds-re...nd-performance/

i guess it is because PRS funds is not in the mkts 5 or 10 yrs ago. 
for the YTD, 1 week, 1mth, 3 mths, 6 mth 1yr, 2 yrs 3 yrs data,
try this...(but without the PM data)
https://www.fundsupermart.com.my/main/fundi...fundSelect.svdo
select All PRS providers only.