Sa UITF never pa pero kasi sa money market fund lang ako dun. Sa balanced fund and equity fund for sure there will be fluctuations that's why you should invest only what you won't need for 10years. Sa stocks I lost money nung nag-uumpisa pa lang ako. I was trading without sufficient training kasi. Now I'm following strategic averagaging method na lang sa stock market kasi I don't have the time to do trading. So far I recovered what I lost na and gained some. I still have some stocks where I'm losing money on paper pero I'm not worried namab kasi I'm investing for the long term and I only buy the "boring" stocks of big companies.