I’m sure many of us have money saved up, but the problem is—most people don’t know how to grow it. If you leave your money sitting in a bank doing nothing, it’s slowly losing value because of inflation. Every year, your money is worth less. So, what’s the solution?
In this article, I’m going to show you an easy way to grow your savings and protect your wealth from inflation. Let’s start by understanding unit trusts.
What is a Unit Trust?
In simple terms, a unit trust is a pool of money from investors like you and me, managed by a professional fund manager. This fund manager decides where to invest the money—whether in Malaysian stocks, US stocks, Chinese markets, real estate, or other investment options.
Your returns can come in two ways:
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Capital appreciation – The value of your investment grows. For example, if you buy a unit for RM1 and it increases to RM1.20, you make RM0.20 profit.
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Income distribution – This is like dividends, where the fund shares profits with you. A famous example is ASB (Amanah Saham Bumiputera), which consistently gives annual dividends.
Why Unit Trusts Are Perfect for Everyone
1. You don’t have to manage it yourself
The fund manager takes care of buying, selling, and deciding where to invest. Your main task? Pick a trustworthy fund manager or learn to invest on your own.
2. Unit trusts are regulated and safe
In Malaysia, all unit trusts are regulated by the Securities Commission. This means your money is safe from scams. You might experience market losses, but your funds won’t disappear.
3. Flexible investment options
Whether you’re a beginner or an experienced investor, unit trusts let you mix and match your investments:
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60% stocks, 40% bonds
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80% stocks, 20% cash
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Real estate, commodities, or money market funds
Beginners can start with low-risk funds, while seasoned investors can explore higher-risk options for bigger returns.
4. Easy monitoring
You don’t need to track your investment every hour. Checking once a month is enough. Thanks to technology, you can even manage your unit trust investments directly from your phone—no agents needed.
Start Investing Now
Unit trusts are simple, fast, and suitable for everyone. Whether you’ve had bad experiences before or are just starting out, you can grow your money safely and effectively.
If you’re ready to start growing your savings, join my free class to learn step-by-step how to invest in unit trusts. Check the link in the description below and take control of your financial future today!
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