I myself have paper gains in PM funds and moved from just using an agent to self selecting funds online.
Last year was a busy year buying and switching.
My practice is to realise some of the double digit gains by switching into new funds that I hadn’t bought into before because when I started with UT it was mainly Syariah compliant funds because my agent was malay. Sit on the paper gains or realise and switch?
A bird in hand is worth 2 in the bush as the saying goes.

Because I’m using epf funds, only one 0.5%.
If I’m buying online, it doesn’t count as agent recommendation so they don’t get a fee.

This post has been edited by dickybird: Nov 5 2021, 01:01 PM

How often do you guys realise the paper gains?