Here is a breakdown and explanation of some of the technical financial terms you might find in your statements.

I have earned = Current Portfolio Value - Net Deposit*

Unrealised Gains/Losses = Current Portfolio Value - Portfolio Cost**

*Net Deposit = Deposits - Withdrawals + Referral Bonuses

**Portfolio Cost = sum of units of each fund x fund's average cost price + cash) you may refer to the Monthly Statement for the Portfolio Cost listed out daily.

As an illustration : 

Portfolio Cost and Portfolio Value

Deposit RM 11,000 = 11,000 units @ RM 1 per unit

Withdraw RM1,000 = 800 units @ RM1.25 per unit

Balance unit = 11,000 - 800 = 10,200 units

Portfolio value = 10,200 units @ RM1.25 per unit = RM 12,750

Why is my portfolio cost not the same as my net deposit ?

Portfolio cost will change every time a new deposit or withdrawal is done due to portfolio rebalancing.

By rebalancing, some funds will sell some units, some funds will buy some units, so that the percentage allocation of the portfolio is back to the original percentage allocation as per your risk profile.

Therefore, even if a client has only done a single deposit (and no withdrawal) the portfolio cost will change when periodic rebalancing is done.