Asked on 06 Nov 2018
Without going into technicality, the simple difference:
POSB invest saver gives u 2 choice of funds to invest in. One that tracks the singapore straits times index, and the other a Singapore bond index. One linked to stocks, other linked to bonds.
For their unit trust, there are alot for u to choose from. Different unit trust can have different investment themes. From a specific sector to a specific country etc.
So if u know what u want to invest in, u can choose the specific unit trust.
But If u just want to get exposure and satisfied with the STI and relatively safer singapore bonds, without need for doing too much due diligence, u can go with the invest saver.
It really depends what are your investment goals, what u want to achieve. There might be better options available other than with POSB. U can contact me on my facebook so that we can discuss further.