Yes.

Xuzen

p/s
Most fund house have a consensus that the KLSE have hit the bottom and the 1MDB issue is more or less resolved. NB: Investors are simple minded people; as long as 1MDB can make and seen to be able to honour future coupon / interest / dividend payments, they are OK, they don't give a sh1t about your internal politics.

!! cimbasiapac dropping. what happening?

for a dividend announcement since 28th march, is it normal to wait till now and still the NAV is not updated? i know it does say 2 weeks but it's already around there and still no change.namely smart treasure and asnita bond.

Wow, that's a drastic move

What's your plan after this? Get a UT consultant or shy away from unit trust from now on?

See! See how illogical investors are! 1MDB is a bond default issue; and this cause equities to tumble.

Xuzen

I think the term you're looking for is CAGR, compounded annual growth rate. It's the RoR, annualised, between the start and end dates. ie: RM100 growing to RM121 over 2 years is 10%, not 10.5%.

You can use the future value calculation

Vf = Vp(1+X)^n

Where
Vf = future value
Vp = present value
X = growth rate in decimal, and
n = number of years.

From eg: 121 = 100(1+0.1)^2

Hope this helps
Edit : forgot to mention this only takes into account dollar value, not number of units. Also it does not take into account any deposits and withdrawals, and in the case of UT, redemption, top ups and distributions.

Are you asking me, or are you telling me ?  

IMHO, it really depends on
1. what hes trying to achieve/compare/benchmark
2. what data he has available.

XIRR is useful if hes calculating cash flows, in the case of UT, the timing of his purchases, redemptions, distributions ie : performance of the "investor".

However, if he only has a statement, and has made multiple purchases, but really wants to compare the performance of the "manager", irrespective of his purchases and redemptions, the TWRR calculation would be a better choice.

I thought my post above answered most of your queries. 

Yes 5.8% loss from FSM funds.
Various funds. Please check my earlier posts.
Yes I switched.
Worst is yet to come. Better short term investments out there.

one dumb question here, is it recommended to top up more than usual when the sales charge is brought down to 1 % now due to promo? or just top up the amount as usual as the 2%-1% deal wont be too significant. i am asking because i cant really tell whether or not NAV price now is good to invest in big chunk.

Paiseh, I haven't been active here for so long. And never had intention to sell PM funds to transfer in until last few months

I'm going to say this again - public mutual funds returns SUCKS