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Funds, which includes mutual funds and unit trusts, gather money from many investors to make investments.

Your money is pooled with other investors into stocks, bonds and similar assets. A fund manager chooses the investments and each investor owns a proportion of the total fund, according to how much money is put in.

Usually, the fund invests in dozens of securities. This spreads the risk. Some funds are high risk, while others are lower risk, depending on the investment goal.

Investing in funds involve fees, for example subscription fee, annual management fee and switching fee.

You should always read the fund's offering document and product key facts statement before making a decision. This gives such details as the investment goal, strategy, risks, fees and procedures.

To learn more, see the following sections.


Who manages funds?
Fund authorization
Offering documents
Key fact statements
Buying and selling
Fees and charges
Understand fund dividend distribution
Distribution policy for funds
Mergers and terminations
Valuation of funds
Listed and unlisted unit/share classes within a fund

Hedge funds

Investment strategies
Offering documents
Buying and selling
Monitoring performance

Specialised funds

High yield bond funds
Futures and options funds
Islamic funds
Guaranteed funds
Structured funds
Listed closed-end funds
Commodities funds
Target date funds
Fixed maturity funds
Overview of MRF
Eligible products
Selling process
Major risks
Regulation and complaint handling

Collective Investment Scheme

What is a Collective Investment Scheme?

Open-ended fund company

What is OFC?
Private and public OFCs
Rights of investors and availability of information