Hi- what's is a good unit trust or similar to invest in without having to worry much about downside or economic slowdowns?

In this world, all investments yield only non-guaranteed return. As a result, from the moment you invest your money, there will definitely be a risk of loss.

With this in mind, there are two things to we can do:

1. Put your money in tools that generate guranteed returns over time, e.g. participating endowment policies, annuties, CPF

2. Create a well-diversified portfolio that takes on calculated risk

In order to do this, either spend time on your own to do research or to speak with an experienced consultant who is able to share how some of these tools may work for you.

At the end of the day, it is all about expectation and how to manage it in a responsible manner.

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Warren Buffett says, "If you worry about corrections, you shouldn't own stocks."

The market will definitely goes up and down, up and down, up and down. But based on track records, it will go on an upward direction in the long run.

If you are going to be constantly worry about downside or economic slowdown, than you should consider safe investment vehicles. Singapore Savings Bonds, save in banks and CPF are the safest investment vehicles in Singapore.

Unit trust, no matter how good, are kinda expensive in the long run due to its fees structure. The unit trust may promise the sky (which usually isn't true) because the people who sell it earns commission for selling it. On top of the sales person, the funds itself also incurrs annual fees and charges.

As for bonds, do opt for government rather than corporate bonds. Government bonds are less risky and the chance of government closing down is less likely compared to corporate bonds.