Guys, I don't understand how to make money in unit trust. Assuming 1 year ago the NAV price is RM0.60 and after 1 year it is RM0.62, the total return graph in FSM show a return of 7 %.

But my calculation show it is 3.3%.

Are we suppose to buy and hold , or buy and sell and buy ?

Will someone kind enough to shed some lights what is going on with Manulife India Fund? NAV has been dropping like crazy.

Of all the possible answers that we can come up with, " I need money now " is the best answer when asked, when do I sell my UTF...

No, I am not trolling, I am serious. At other times, just put your money to work for you.

Xuzen

most important answer imo,
may i ask if its suddenly/emergency case?

lock profit (miss many times to lock already)
i know the feeling.. was seeing 4 digit earning last few month and puff now 4 digit in red 

Personally, i think below reason is very weird reason for selling UT.

"I need money now"
- if u need BIG money NOW, u should know earlier, right? A better way is sell gradually since at least 6 months ago.
- And, don't use emergency fund/ saving for wedding/ house down-payment for investment, so that u not need to sell with loss when u need them.
- if u r a retiree, u just need to sell "a bit" every month for ur expenses, not ALL...
So, i need money now, then i sell ALL now, sounds no sense.

Will someone kind enough to shed some lights what is going on with Manulife India Fund? NAV has been dropping like crazy.

that is because there is the effect of income distribution....
fund usually gives out periodic income distribution....in which the fund gives out extra units to the unit holders ....while they gives out the extra units, the fund NAV will also drop in relation to the value of the extra unit given out.

thus the fund NAV goes up and down.....
for unit trust....the fund NAVs is not a good performance measurement index chart to use.

Thanks MUM for the explanation. I always look at stock price and NAV price only to gauge performance

since a fund holds a basket of stocks and this basket of stocks & its prices will determine the NAV (ultimately)
so you will determine a fund is a better performance due to its lower NAV?

India will introduce a new tax regime for LTCG starting April2018 , which means the sale of the share will be taxed and people are getting out of the India market now (no tax).

Quantum, Japan & India really 

Been waiting for Quantum to rise back up and sell it, but seems like its going down even further.

Your Japan is bad? My Japan is what's keeping my funds afloat.

Your Japan is bad? My Japan is what's keeping my funds afloat.

Quantum, Japan & India really 

Been waiting for Quantum to rise back up and sell it, but seems like its going down even further.

Its for my education. I planned all already to gain as much as possible. Suddenly my uni close down the 6 month grace period for paying. Or else I will only pay last minute and the money in FSM can gain some petrol for me. Too bad, the uni so cruel... Pay them earlier they gain a lot and I gain nothing....
Managed port I wont touch. It hold 60% of the FSM port. My DIY port is small enough.

what?

United Japan Small and Mid Cap Fund
UJSMCJP:SP
YTD RETURN
-3.29%
United Japan Discovery Fund
UNIJPDH:MK
YTD RETURN
-2.58%

Kenaga Growth.... feel like selling it before it eats up my gain in 2017 although my accumulated gain over the 5yrs + is 60%...

Yea man, kenanga performance has been disappointing as of late.