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单位信托基金的8大种类

单位信托基金根据投资标的和策略的不同，可以分为以下8种主要类型：
  • 股票型基金（Equity Funds）
– 投资方向：主要投资于股票市场。
– 风险与回报：通常风险较高，但潜在回报也较高，适合长期投资者。
– 细分类型：成长型基金、价值型基金、蓝筹股基金等。
  • 债券型基金（Bond Funds）
– 投资方向：主要投资于政府债券、公司债券等固定收益类证券。
– 风险与回报：相对于股票型基金，风险较低，回报稳定，适合寻求稳健收益的投资者。
– 细分类型：政府债券基金、公司债券基金、高收益债券基金等。
  • 混合型基金（Balanced Funds or Hybrid Funds）
– 投资方向：同时投资于股票和债券，以达到风险与回报的平衡。
– 风险与回报：介于股票型和债券型基金之间，适合希望平衡风险的投资者。
  • 货币市场基金（Money Market Funds）
– 投资方向：主要投资于短期债券、国库券等高流动性的低风险金融工具。
– 风险与回报：风险极低，但回报率通常也较低，适合短期投资或保本投资。
  • 行业/主题基金（Sector or Thematic Funds）
– 投资方向：专注于特定行业或主题，如科技、医疗保健、能源、环保等。
– 风险与回报：风险较高，因为集中投资于特定领域，受该领域市场波动的影响较大。
  • 指数基金（Index Funds）
– 投资方向：追踪特定的市场指数（如S&P 500、沪深300等），基金的资产配置与指数成分股相对应。
– 风险与回报：风险和回报与所跟踪的指数直接相关，通常管理费较低。
  • 全球/国际基金（Global or International Funds）
– 投资方向：投资于全球市场或特定国家/地区的股票、债券等。
– 风险与回报：风险较高，尤其是投资于新兴市场时，受汇率、政治、经济波动的影响较大。
  • 房地产投资信托基金（REITs）
– 投资方向：专注于房地产和地产相关的资产，如办公楼、购物中心、酒店等。
– 风险与回报：具有一定的股息收益率和资产增值潜力，但受房地产市场和利率波动的影响较大。
这些不同类型的单位信托基金提供了多样化的投资选择，我们将会根据您的风险承受能力、投资目标和时间跨度来选择适合您的基金类型。
如果您有任何关于财务规划，投资理财和新加坡保险业的问题，欢迎点击这里，我将竭诚为您提供服务！| 微信：olivia_tham | WhatsApp: 91562520 |

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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Olivia Tham 谭莹瑄

Hi, I’m Olivia. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consultant and strive towards helping my clients and their families to accumulate wealth, as well as helping them grow their investment portfolios. Click here to find out more!

您好。我是莹瑄，您也可以叫我Olivia。感谢您访问我的网站，期待能有缘与您见面！

我是一名独立理财顾问。如果您想要了解更多，欢迎点击这里，我将会根据您的需求，协助您用中立、专业、挑剔的眼光去选择最合适您的理财方案！

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策