The people at BigFatPurse found the article titled How to invest if you have $20k or more, published on The Sunday Times (19 Jul 2015), rather disturbing. This post is to respond to the very biased responses from so-called experts in the financial industry, who supposedly have the best interests for you than their own pockets. Who am I to respond to experts? Because I am a retail investor myself whom the experts are peddling these instruments to me. I am sure I am on the same side as you.

WITH $20,000 – 100 % Unit trusts. Seriously?

This was the conclusion from the article. If you have $20k, put EVERYTHING in Unit Trusts. I agree with the point that with $20k, it is difficult to achieve diversification by buying the stocks directly. Hence, it is easier to invest in a fund to achieve the diversification and lower the risk. ......