On some occasions, I feel the need to write some articles over at Providend.

If they benefit Investment Moat’s readers, management is OK for me to share them over here.

We observe certain misconceptions that are rather pervasive when it comes to funds our clients held, what we recommend to them, and what they are considering to purchase.

The really popular produces are the First State Dividend Advantage kind of distributing unit trusts. This is pretty similar to a Lion-Phillip S-REIT ETF, which is a distributing ETF.

What is common among the unit trust and the ETF is that both provides a dividend income. For investors that are nearing retirement, they have this idea that their portfolio would need to be filled with stocks, bonds, unit trust, ETF that distributes income.

That is why endowment/whole life that provides a cash flow is massively popular as well. Such as this and