Monday, September 28, 2009

What are Mutual Funds or Unit Trusts

If you are really new to investment, you might not know what unit trusts or mutual funds are. So, this post will explain about mutual fund or unit trusts. Mutual funds is a great investment vehicle for investors to get started. It is a great way to diversified your investment and have professional fund managers to manage your investment.

If you are getting started to invest your money, you can try to use mutual funds to learn about the world of investment. Personally, I think that mutual fund investment is a good way to get started and it is a good way to learn the basic. Anyway, if you would like to learn the basic and learn more advance knowledge in investment, then I would suggest you buy some investment books and start reading. Finally, start applying what you learn and invest.

What is Mutual Funds or Unit Trusts?

Mutual funds are also known as unit trusts. Mutual funds are collective of large pool of money from a lot of investors to be invested in stocks that are relevant to the objectives of the funds.

In simple words, there are a lot of people or investors are investing their money to the funds, therefore, that fund are having large amount of money (a pool of money) and mutual funds managers will use their professional investing techniques to invest the money in stocks. Investors can save time because they have professionals helping them to invest and most of the time, the return of investment can be higher than the normal fixed deposit (FD) rate. [ Find out more: The Story of My Friend Become Rich Using Mutual Funds in His 30s! ]

Mutual funds investment is offered by most banks. You can try to ask about mutual funds investment in different banks such as Maybank, Public Bank and Public Mutual, Ambank, CIMB and so on and so forth. Personally, I invest my money in Public Bank and Public Mutual. I am not saying that Public Mutual and Public Bank is the best place to invest but I have experienced great return so far and it gains several awards over the past few years due to excellence in mutual funds investment.

Anyway, you can try to search for better banks that provides better investment opportunities. Mutual funds investment normally will incur high charges as the management fees. So, this would be a fee that every investor must pay to invest in mutual funds.

From my observation and experience, I know that there are banks that offer free of charge to invest in mutual funds of their banks. So, you do not need to pay any fees to get professional to help you invest but bear in mind that these types of funds normally will not have high performance if compared to funds that charges fees.

In short, it is up to you o choose the funds that suit your investment. Start invest early in life and make your money grow faster. I hope that this post will help you to understand mutual funds better. If you would like to look for other investment vehicles, you can try stock investment. [ Find out more: Mutual Funds VS Stock Market ]


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