u make money  when the price is up above your cost price, dividend gives u more units, but with price adjusted down, it is the same la.

I sell when i make quite abit and locked in the profit, becos market is up and down, so from making 20k can go down to zero, of course later usually climb back up la.

the 20% ROI  u saw there is simple profit/cost x 100%, quite meaningless if dont take time into account.
Short term IRR also quite meaningless as u can see below.

i just bought CIMB Global Titans, and the IRR is  mad 142.33%

Because i sell and buy back, the ROI also quite confusing, u see my CMF ROI -115%!! It is like each time u sell with a profit, your cost keep going down......till negative?

RHB OSK GEY showed ROI 61%, Amoasis  Global Islamic Eq  ROI 57%, yet u dont see the price double above my cost.
i think same reason, each time i sell with profit the Excelfile adjust my cost down??

Whatever it is,i find the Polarzbearz excel file fascinating.