Get ProtectedYou want investment options
we have the widest choice
Wealth management means more than just managing money. It is about providing private investors with complete solutions to Plan, Build and Protect™ their wealth, thereby enhancing their total financial well-being.
Standard Chartered Bank's sound global reputation has been built over 150 years and our specialised Investment Services is dedicated to addressing your medium-term and long-term goals. Our aim is to help investors attain their financial objectives in the time frame of their choice and we do this effectively through our varied choices of unit trusts available to them.
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What are Unit Trusts?
Unit trusts are collective funds which allow private investors to pool their money in a single fund with other private investors, thus spreading their risk, getting the benefit of professional fund management, and reducing their dealing costs. |
Unit Trusts offer a host of advantages:
- Wide spectrum of fund choices
- Convenience of purchase
- Small capital outlay
- Option to reinvest income
- Diversification across regions, countries and/or sectors
- Access to international markets
- Ease of monitoring
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Our selection of Unit Trusts
Choose from our diverse range of funds designed to suit any risk profile.
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- Capital guaranteed funds are investment funds that promise to pay a fixed rate and return the investor's principal after completing a specified tenure
- Equity funds are funds that invest in major international stocks
- Balanced funds are unit trusts that aim to provide a combination of growth, income and conservation of capital by investing in a mix of stocks, bonds and/or money market instruments
- Bond funds invests in debt securities issued by governments and corporations, which emphasizes on a regular income stream
- Money market funds invests in Money Market Instruments which are forms of debt that matures in short term period, such as Treasury Bills
- Real estate investment trusts invests in real estate directly through properties or mortgages
How much do I need to start investing?
At Standard Chartered Bank, you can start with as little as B$1,000*.
How are risks and returns linked?
If you expect higher returns from your investment, you would generally need to accept more risk.
How do I manage the risk?
Risk is generally managed in two ways. You need to allocate some of your funds in bonds and some in equity. It can be minimised even further by diversifying across different bonds and different equities. And finally, staying invested over the long term will help as well.
What time frame should I be looking at?
This depends on your goal but the shortest meaningful time frame is 3 to 4 years.
What if I want access to my money?
A unit trust allows you to access your money whenever you want. However, the price at which you sell will depend on the current value of the units, which could be more or less than the original price.
| When is the best time to invest? | |
| There is never a best time to invest. Timing of the market is not advisable unless you constantly monitor the markets. It is recommended that you set aside approximately 3 to 6 months' fund to meet your daily needs. |  |
The rest should then be invested regularly to enjoy a greater dollar cost averaging effect. This means you will buy more units when prices are low, and fewer units when prices are high.
* Varies depending on the unit trust.
Investors are advised to understand and familiarise themselves with the terms and conditions of any investment product before proceeding to invest. Among others, investors should consider the fees and charges involved. Unit trusts are not bank deposits or obligations of or guaranteed by Standard Chartered Bank ("the Bank"), or its subsidiaries or group companies and are subject to risks including the possible loss of the total principal amount invested. Past performances of any kind is not a guarantee of future performance, prices of unit trusts may go down and well as up. The Bank shall not be liable to any investor for any loss whatsoever suffered as a result of the performance of any unit trust or mutual fund.
Bank's Term and Conditions apply