ya-lor......he is (should be kicked) out of this league.......seeing his monthly tracking chart......so demoralizing for potential UTs investors.....
maybe FSM MY might use his chart to promote their CIS functions to new UTs investors..
(see, there was this guy that did not use our CIS helps...see how his portfolio performed)

Luckily for FSM as they are agent less......else some people may say he got conned by the agents......"i did told him so, I did told him so...AGENT CHEATS"

I think there is a silver lining on your monthly non performing IRR chart on potential UTs investors
it "might" gives them some sense of
the actual expectation of UTs investment,
have a thought about its possible low returns, (for years)
get the priority right in the 1st place,
know his/her true risk appetite,
his/her financial staying power,
invests with the money one can afford NOT to use for a long time,
his/her entry into UTs to be moderately and use UT as not as a sole investment vehicle....

to be on a safe sides.....a new UT investor should ask FSM CIS to do a risk profile test on you and help set up a portfolio for you......
you may not learn first hand, you may not have so much fun,....BUT there will always be someone to "BLAME"