U cant do much anything when you are stuck in that situation..unless you change ur strategy rather from "wait n see" to do regular saving.. If your agent is consultant enough, he would prevent the situation from getting worsen...
I still remember I have one client regularly invest monthly on PCIF using top down approach..her investment breakeven at 15% lower than the price she bought and makes profit thereafter although fund price below than open price at 0.25 per unit..It takes time.
However, bottom up is better than top down..the problem is if u dont understand the trend, U will cought off guard looking towards the bottom of the fall...