for now, you might be better off putting your cash in sdas, bdo has been offering some pretty decent returns 6-7% per annum for 30 day placements.

rather than keeping it in the fund that might still be going down.

since 30 days lang naman ipit ang cash mo you can always put it back in the fund if you want to again.

if you have the time, you can do your own research and invest your money yourself. you should do better than fund managers who either have to adhere to strict rules on where to invest your cash, or monkey around with your cash as if there were no rules. no need to pay any front or back end fees, fund management fees, etc.