I see a lot of questions about whether they should switch,sell or hold their investment when they perform bad. Actually before you buy a fund a few things to consider,
1. your risk profile
2. how long can you keep you money there

A fund's performance may be short term but investing in a unit trust fund is a long term commitment i must say, speacially for equity or funds with higher risk. If you look at such funds they always perform in the long run but it have its down cycle also.

Redeeming/selling it would mean that you have realize your loss, but its best to take a long term view with funds, thats the good thing about funds put your money there, fund manager will take care of it.

Alot of ppl take fund investment as stock market investment which is totally wrong because stock market can be short term and you might have to manage it actively while funds you do not, maybe once a while you might have to rebalance your portfolio but not as frequent as equities on stock market. Thats why you pay those guys annual fees to do right.

"just my 2 cents"

This post has been edited by jinchuan: Aug 31 2008, 02:09 AM