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 business day of the statement period. Unrealized gains or losses 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 a mutual fund, you can calculate your realized gains. This is the difference between what you paid for your mutual fund and what you received for it when you sold it.
Capital gains and losses have tax implications. Speak to your financial advisor to understand the implications before redeeming your money.