It's already a year i did not follow unit trust price & performance. Unit Trust performance usually related to Bursa Malaysia performance and depend on stock involved. We need to know basic method to invest in Unit Trust because unit trust involve upfront fee, management fee, redemption fee & others which costly to our investment. 1st strategy to adopt is Ringgit Cost Averaging which mean regular or monthly investment with fix amount of Ringgit. Price of unit will fluctuate over the year & we cannot bother to time the lowest price to buy the unit. Therefore, the easiest way is to let the market decide & we just put our money regardless of the market price. 2nd method is to do switching or sell. Switching should be perform to minimise risk and usually from high risk unit to lower risk unit. Switching should be done between same fund house to avoid extra switching fee. I would prefer to sell my unit because not worth it to keep at lower risk unit which only give me 1% annum. Switching will make our portfolio balance in term of market value & risk.
Note: Unit Trust performance always unpredictable, we cannot beat the market.
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