Is Unit Trust a good investment for beginners? Or should I start with robo advisors? Anyone know which platform is giving our Free $$ to start?

Try both and gauge results / level of comfort / etc after a few months? It should all be with a long term focus to enjoy compounding returns but no need to dive in head first from day 1. Test the waters.

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Various platforms offer different products, returns, levels of risk and as a combination can be pieced together for a diversified portfolio.

Unit trust's management fee is extremely high. Research shows that most unit trust/ mutual funds fail to beat the market in the long term. They are managed by professionals with MBAs and PHDs but can't even outperform the market consistently. I don't see a point in investing in them, the only group of people who will ask you to invest are those who will earn a commission. Robo advisor is a good way to start investing, SG robos advisors charge a fee of 0.5-0.8% pa. Do note that the underlying investment (Likely ETFs) will charge an additional fee of 0.1-0.3% ish.

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Fun fact: You can invest straight into ETFs without going through Robo advisor route, this will help save some fees. I believe there are many articles on seedly explaining ETFs .
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