Recently, my wife has just gotten her annual performance bonus. She told me she want to invest. If she does not invest, her money will depreciate over time. Thus, I asked how? She replied that her company has just invited a financial planning company to give a lunch time talk. She indicated her interest to let the financial planner plan for her how to “grow” her money. I told her based on my experience, most financial adviser will surely either sell her endowment or unit trust. She refused to listen and went ahead to meet with the financial adviser. I was right! The financial adviser tried to sell her unit trusts. I used to invest in unit trusts in my earlier investing days. What most of us didn’t know that the fund manager makes money whether the funds perform or not. If you read up about the funds, watch out for ......