How to calculate the units you owned?

The ownership of fund will be divided into units.

For example:
If you invest RM1000 into a fund with the unit price RM0.25, you are suppose to get 1000/0.25= 4000 units.

But because these unit trust managers manage these funds for you, they will charge a certain amount on you, which will be known as Service Charge. Worth noting is that this Service Charge is one-time charges, unlike invest directly in the share market where there will be a minimun brokerage of RM40++ whenever you sell or buy.

The current rate of Service Charge will be around 5% for equity & balanced funds. So assume that the Service Charge is 5%, the actual units you actually get will be:

(4000/105) x 100= 3809.52 units

The formula will be

(Amount invested/unit price)/(100+ service charge,%) x 100

Also, when there are distribution (or in generally dividend) by the fund, it will also distribute in units. With the current format of single pricing, if you want to know how much is your unit trust worth now, just check the the price of the particular fund from the newspaper or internet, and times it with the number of units you owned.

unit price x number of units = the current value of your fund