For the long term... Does it make more sense to invest in UT with endowus (charge access fee but rebate trailer fees) or purchase UTs via FSM/Dollardex (no ongoing trailer fees)

Do take note that while FSM has zero sales charge and zero switching fee, it has platform fees (0.0875% per quarter or 0.35% per year) for cash and SRS investment. The true zero fees unit trust platforms are POEMS and dollarDEX.

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If you want to optimize the cost, use Endowus when the UT you want to invest has higher trailer fees rebates than their access fees, and use POEMS/dollarDEX otherwise.