July was a good month. XIRR since inception improved to 2.32% , with XIRR YTD at 7.86% and actual return YTD at 4.45% as of end July. United Gold and General Fund was up by 53.7%. I received dividends of $1,024.09. I decided to liquidate $60,000 from the unit trust portfolio, as I planned to reduce the size of the portfolio and channel it to my low cost portfolio instead. I planned to liquidate another $100K within this year and might completely wind down the unit trust portfolio next year. The reason? I was sick of paying $200+ every quarter for "platform fee" i.e $800+ every year. I also felt more comfortable with my own low cost portfolio performance. I believe I'm not the only one doing this and I wasn't surprised iFAST latest result showed half year profit dropped by 62% compared to ......