It is important to understand the difference between “unrealized gains” and “realized gains” when looking at the performance of an investment:
Unrealized capital gains or losses are the amount of money you would have gained or lost (when compared to the price you originally paid) if you had sold your investment on the last day of the statement period. They are sometimes referred to as “paper” gains or losses because they show up in calculations of what the investment is worth on a particular date but they don’t actually stay in your account. They simply indicate how the value of your investments have changed up to that point in time. The market value of your investment will continue to change until you sell it, and the amount of unrealized gains or losses will change along with it.
If you withdraw (redeem) money from the fund, you can calculate your realized gains. This is the amount of money that you have earned on your money (after costs) based on its value on the day that you bought it, compared to its value on the day that you sold it.
Capital gains and losses have tax implications. Speak to your financial advisor to understand the implications before redeeming your money.