Most of my friends who bought Unit Trust didn’t really make money. I personally considered that a weird phenomenon as most of them held their holdings for more than 3 years and are still in the red. Compared to me, most of my holdings are held in single undiversified companies that gave me decent returns. Today I make a comparison with 2 random funds and my largest single stock holdings, SPH. < ?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />

I will compare the risk and return during the past 4 years.

I am using 2 funds which most of my friends invested during the height of the crisis. They are First State (FS) Asian Growth and First State (FS) Regional China.

During the peak of their price in end Oct 2007, FS Asian Growth peaked at 1.93, FS Regional China peaked at 2.35.

Today I checked their prices; they are at 1.73 and 2.0021 ...