Why invest in unit trusts?
Investing is important. Investments should be an integral part of your future plans. Because of the time value of money, it is crucial that you plan in advance to enable you to maintain the value of your monies. This way, you can better manage the future cost for essentials like education, housing and medical services.

Stocks and bonds have historically produced superior returns to cash savings over the long term. However, investing in global markets is more difficult and you may not have enough time and information to select and monitor such investments.

Hence, unit trusts have often become the preferred choice for investors because they give you the opportunity to diversify your investments in a way that is simple and less time consuming, given that they are managed by professional fund managers.

Knowing what's right for you
Whether you are an aggressive, conservative or balanced investor, Navigator gives you the freedom and flexibility so you can decide on the right investment mix for yourself. Our wide selection of unit trusts provides you with more choices than before to help you meet your own financial goals and investment needs, no matter what life stage you are at.

Act now!

• Call 6222-84-82 (622-AVIVA) today!

Is investing in unit trusts expensive?
You can start investing in AvivaDirect with just S$1,000 or you can start a monthly investment plan with S$1,000 and make a monthly minimum contribution of as little as S$100.

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Can I get easy access to my investment?
Unit trusts are very flexible and you can buy and sell unit trusts on any dealing day. In addition, your Navigator Investment Account with AvivaDirect gives you 24/7 access to Aviva Online, which provides you up-to-date information on your investment holdings.

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Do I have to make a lump sum investment?
You do not need to make a large lump sum investment. We can also offer you a monthly investment plan where the initial lump sum is only S$1,000 and the monthly contribution is only S$100.

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Is investing in unit trusts high risk?
As with all investment products, investing in funds does have an element of risk. However, there is comparatively less risk as compared to direct investment on the stock market, due to the risk diversification done by the fund managers, which may be spread over period, commodity types, currencies and/or countries.

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Are the returns high?
As investments into funds are comparatively low risk, the rate of return is generally lower in comparison to direct investments on the stock market. However, your overall returns are normally more stable over the long term, making them attractive long-term investments.

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Are unit trusts investments hard to monitor?
Professional fund managers monitor and manage the funds. So in effect, you do not have to monitor them on a daily basis. Fund Managers have ready access to information and other market statistics, and keep you updated of major changes.

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Are the fees high for unit trust investments?
Unit trust fees works on the basis of economies of scale. Because a large number of investors buy into a fund, the cost of investment is shared and hence reduced. Investing with AvivaDirect, you also enjoy one of the lowest sales charges in town for unit trusts.

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