For most Singaporeans, unit trust is the best investment instrument to start with. But why so many people lost money in unit trust investment? Because most people chose the wrong funds. If you want to make money, you need to know how to choose the right unit trust for yourself.

Few Singaporeans today are complete strangers to unit trusts. You most probably have listened sales pitch of unit trusts from banks, stock brokers and financial advisers, but you are not sure whether they have your interest at heart.

Then the ETF providers come to whisper next to your ears, “fund managers cannot outperform the market, you should not invest unit trusts, invest ETFs by yourself instead”. This is ironic because ETF providers themselves are fund managers, and they too just want to sell their funds.

So you are confused. How can you dig below the sales pitch and choose the right …