Hi Sifus,

Since I am still new to UT investment, apologize for my noob question.

How can we make profit from long term investment in UT? Let say 7 years investment. I.e. I bought a fund Rm 2k and at the end of 7 years investment it becomes 3k, which is 50% increment from my initial investment. When I sell only I make money right, which means I've received 50%/ 7 = about 7% annually profit right?

Or, during my 7 years holding, I will receive annual divident from my funds?

Or is it better If I wait untill my fund increase more than several percentage i.e. 5% and straight away sell to gain profit before it drops? For this method, the sooner I sell back the fund the better? i.e I bought fund A at feb 2016 and it rise 5% on june 2016 which I straight away sell. Then the fund go down and back up to 5% a year later on june 2017. Which means I've made profit earlier and could have invested in other funds from the period june 16 - june 17?

Is my understanding correct?

CMF (35%) is what?