What is Unit Trust?什么是信托基金？

信托基金是一种“利益共享、风险共担”的集合投资方式，意思是由某间公司 ，例如Public Mutual, Manulife或者CWA收集投资者的钱，形成一定规模的信托资产再交由专业的基金经理负责分散投资。

为什么投资信托基金？

1. 基金的回筹通常都会高过银行的定期利率，抵抗通货膨胀。

2. 分散投资，基金经理会把投资者的钱分别投资在不同的领域，当某个领域行情不好，另一个领域或许正值高峰，相互抵消，降低投资风险。

3. 当投资者投资之后，钱会交给专业的基金经理负责投资，投资者无需花时间监督市场情况。

4. 入门投资金额不高，通常如今Rm1000就能开始投资。没有现金的投资者也可以选择用部分退休金户口1的钱进行投资，此外，还可以选择每月自动扣账投资，每月Rm100也可以。

Unit Trust Fund is an investment instrument which investors share the profit and risk. A company such as Public Mutual, Manulife or CWA will pool the money of investors and pass it to professional fund managers in order to invest in the way of diversification.

Why invest in Unit Trust?

1. The return gain from Unit Trust Funds normally will higher than return of Fixed Deposit in banks. It will protect us against the ravages of inflation.

2. Diversification of the scheme's investment. Diversification will decrease the risk or increase the return of investment. For example, the fast growing in banking industry will offset the loss if market down in property industry.

3. The professional fund manager will incharge to invest and monitor the market conditions. Investors no need to spend time on this.

4. The initial investment amount normally will start with only Rm1000. Investors may choose to invest monthly even Rm100/month by using auto debit method. Besides, the investors with no cash in hand may choose to invest by using a portion money of their EPF account 1.