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An introduction to Unit Trusts# Net Asset Value (NAV)A Unit Trust’s price per unit. This is calculated by using its assets minus the valueof its liabilities.
Investors should always refer to the fund's prospectus and factsheet to familiarise
themselves with the investment strategy/guidelines and risks associated with the investment.

What is a Unit Trust?
A unit trust (or fund) is made up ofmoney pooled from multiple investors
and invested in a variety of assets tomeet an investment objective*.
Investors own units (or shares) which
represent a part of the unit trust's
portfolio holdings.
A fund can invest in securities such as
stocks, bonds and/or other instruments.
In Singapore, a unit trust may also bereferred to as a collective investment
scheme (CIS).

Who manages the Unit Trust?
Typically, a unit trust is managed by aprofessional fund manager (or a teamof managers) on behalf of investors.
Guided by an investment philosophy
laid out in the fund prospectus, thefund manager makes decisions about
what and when to buy and sell assets.
As one of the leaders in third party
unit trust distribution in Singapore,Standard Chartered offers acomprehensive suite of unit trusts tosuit your investment needs.

WealthManagement^ Dividend payment is not guaranteed and is subjected to the discretion of the fundmanager. Please note that past performance is not an indicator of future returns.
Some Risks and Terms Used:
Knowing the investment risks associated with each investment is important. When
you invest in a unit trust, you should receive a factsheet and prospectus which
details the risks involved. Some examples are:Principal Risk - As with any investment, your investment value may go up, down or beeven completely lost in extreme cases.
Market Risk - Your investment can be impacted by changes in political, legal oreconomic conditions.
Credit Risk - In the event of an insolvency or default by an issuer/ counterparty/ entity of
the underlying investment, you may not receive you investment amount.
Liquidity Risk - The investment product or its underlying assets may become illiquid,
preventing you from exiting unfavourable positions, whereby potentially causing you toincur losses.
Foreign Exchange Risk - You should be aware that your investments can be
negatively affected by foreign exchange risk if you hold unit trusts that invest in assets
denominated in foreign currencies.
Forward Pricing Risk - Most unit trust NAVs# are quoted on a forward pricing basis.
This is only indicative as the final price will only be determined after the respective
market(s) close for the day.

Diversify yourinvestments withUnit Trusts

Potential Risks of Hedge Funds or Alternative Funds - These funds differ fromtraditional unit trusts in that they can undertake more risky investment strategies thantraditional fund managers e.g. they may borrow to invest which can magnify potential losses.
Potential Risks of Derivatives (if applicable) - Unit trusts which invest in derivatives
may have higher volatility. An investment in derivatives may result in losses that are
greater than the principal amount invested. Derivatives are also subject to a numberof risks including but not limited to liquidity, interest rate, market, counterparty andcredit risk. It is important that you fully understand the nature and risk exposure before
investing in derivatives.
Fees and Expenses
Sales Charge - Deducted from the subscription amount and paid to the distributor.
Switching Charge - Allowed only if changing between funds under the same
fund umbrella*.
Management Fees - This is typically charged to the fund for the services of theinvestment manager.
Tax - You may be subject to taxation according to the laws and regulations applicableto you or the unit trust/ funds, and you shall remain responsible for any such taxation.
The Bank does not provide tax advice to any investor or prospective investor.
Cancellation
For unit trust constituted in Singapore and not listed on a securities exchange, youhave the right to cancel your trade order within seven (7) calendar days from the date ofsubscription without incurring any cancellation charges but any price difference incurred
between your purchase price and selling price will be borne by you (if applicable).
Disclaimer
This document does not constitute an offer, recommendation or solicitation of an offer toenter into a transaction or adopt any hedging, trading or investment strategy. It has notbeen prepared for any particular person or class of persons and does not constitute andshould not be construed as investment advice nor an investment recommendation. It has
been prepared without regards to the specific investment objectives, financial situationor particular needs of any person. You should seek advice from a financial adviser on thesuitability of an investment for you, taking into account these factors before making acommitment to invest in an investment. Investment products are not deposits and eachof the investment products mentioned does not qualify as an insured deposit under theSingapore Deposit Insurance and Policy Owners’ Protection Schemes Act 2011.

Standard Chartered Bank (Singapore) Limited | Reg. No. 201224747C | Printed MAY16391947 SCB UT TakeOne EC6.indd 1

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100 mm

100 mmWhy invest in a Unit Trust?
Professionally managed
Managing your investments takes
time and effort, especially in the everchanging global financial markets.
Unit trusts can make investing
more convenient.
They are managed by fund managers
who are equipped with deep expertise,experience and resources to makeinvestment decisions according to thefund’s investment strategy.

Frequently Asked Questions
Types of Unit Trusts available
Fixed Income (Bond) Funds
Typically invests in debt instruments suchas government bonds or corporate bondsthat aim to provide a regular rate of return.

Equity (Stock) Funds
Consisting mainly of stocks, equity funds
generally carry a higher investment risk due
to their aim of achieving capital growth.

Achieve diversification
instantly and affordably
While diversifying your investments
is important, individual investors
sometimes face the challenge of highinvestment amounts when trying to
do so across multiple asset classes.
Unit trusts invest money pooled
together from multiple investors. Thus,
each investor can achieve diversification
with lower investment amounts.
From as low as SGD$1,000, you can
buy a unit trust which invests acrossvarious asset classes, geographiesand strategies*.

A wide range of solutions tomeet your investment needs
Different investors have different goals.
While some may prefer conservative
strategies, others may seek moreaggressive strategies that take on
more risk with the aim of potentiallylarger returns. Unit trusts offer a widearray of strategies that can cater todifferent investors, allowing them toachieve their personal financial goals*.

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How do I start investing in Unit Trusts?
Invest through our online unit trusts platform for greater
convenience, anytime and anywhere. You can apply for online
unit trusts at sc.com/sg/onlineut
Alternatively, speak to our relationship managers at any of ourbranches or Priority Banking centres.

How do I choose the right Unit Trust for myself?
If you are new to unit trusts, speak to our relationship managers
who will help you identify your investment risk appetite andgoals. Suitable unit trusts can be recommended based on yourinvestment profile.
You can also browse our extensive range of unit trusts online atsc.com/sg/onlineut

Is investing in Unit Trusts risky*?

Balanced / Multi-asset Funds
Generally investing in a mix of equity and
fixed income securities, these funds can offer
investors instant diversification across asset
classes and a balanced approach to investing.

Alternative Funds
Offers greater portfolio diversification
through the use of sophisticatedinvestment instruments. As thesestrategies are complex in nature, they are
only available to customers within ourhigh-value client segments.

Speak to our relationship managers today to find out
more about investing through unit trusts.

As with any investment, there will be associated investment
risks involved, depending on the type of investment you choose.
There is a possibility that you may lose part or all of the amount
you have invested*.
You may refer to the back of the brochure to familiarise yourself
with the risks of investing in unit trust. You can also speak to ourrelationship managers to find out how investing in unit trusts canbenefit your portfolio.

How much do I need to invest in a Unit Trust?
The minimum investment amount for unit trusts varies. Mostof them require a minimum investment of only S$1,000*, withsubsequent amounts from as low as S$100. Investments can bemade using cash, CPF or SRS monies.
If you wish to invest in a systematic and disciplined way, ourrelationship managers will be able to help you set up a regularinvestment savings plan.

What are the charges for investing in Unit Trusts?
A sales commission is charged for each of your investments.
Investors also pay an annual management fee and otherassociated expenses in the administration of the unit trust*.

Do Unit Trusts pay out dividends to provide mewith regular income?
Yes, some unit trusts allow you to select certain share classes
that pay out regular distributions as determined by theinvestment manager^.

Please refer to the back of the brochure for further information onrisks and fees associated with unit trusts.

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