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为什么单位信托是长期投资的理想选择

当谈到长期积累财富时，许多人会面对各种投资选择——股票、债券、房地产投资信托基金（REITs）、交易所交易基金（ETFs），甚至是加密货币。虽然每种投资都有其独特的优势，但单位信托通常被认为是长期投资者的强大选择之一。以下是为什么单位信托在追求稳定的长期增长方面脱颖而出的原因。

 

1. 内置的多元化

单位信托就像投资的自助餐，提供对多种资产的广泛敞口——包括股票、债券、房地产信托，甚至是大宗商品。这种多元化可以有效分散风险，减少单一领域波动对投资的影响。虽然ETFs也提供一定的多元化，但单位信托通常提供更广泛且积极管理的投资组合，对长期稳定性特别有帮助。

 

2. 专业管理

并非所有人都有时间或专业知识来积极管理他们的投资，这正是单位信托的优势所在。通过单位信托，专业基金经理会为您处理所有决策，仔细选择和调整投资组合，以实现长期的最大回报。与需要自己动手的股票或加密货币不同，单位信托让您可以轻松让专家帮您完成工作，同时让您的投资目标得到充分对齐。

 

3. 为长期投资者降低风险

股票、加密货币，甚至一些ETFs都可能经历显著的价格波动。这种波动在短期内可能带来回报，但也可能导致不确定性。而单位信托则以更稳定为设计目标，非常适合关注长期目标的投资者。通过分散投资于不同资产和市场，单位信托提供了一种更低风险的策略，帮助投资者应对市场的起伏。

 

4. 通过复利实现稳定增长

单位信托的一大优势是专注于长期增长，通常通过将股息或利息再投资来实现。随着时间的推移，这种复利效应可以显著提升您的回报。虽然股票可能提供股息，债券提供利息，但单位信托将这些优势结合在一起，以多元化且积极管理的投资组合形式，帮助投资者更轻松地实现财富的稳步增长。

 

5. 资产类别的平衡敞口

单位信托通常包含不同资产类别的组合，从股票和债券到房地产信托和大宗商品。这种平衡敞口让投资者能够享受股票增长潜力的同时，也能获得债券和其他低风险资产的稳定性。单独管理这些不同类型的投资既耗时又复杂，而单位信托提供了一种便捷的解决方案，将所有资产整合在一个地方。

 

6. 减少情绪化决策

股市的起伏，尤其是加密货币的波动，可能导致情绪化的决策，例如恐慌性抛售或冒险交易。而单位信托专为长期投资设计，并以此为管理重点。通过免去每日的决策压力，单位信托帮助您专注于长期目标，避免因市场波动带来的情绪化压力。

 

7. 长期成本效益

尽管由于积极管理，单位信托的费用通常高于ETFs，但其长期收益往往超过这些成本。专业管理、多元化以及专注于长期增长，使单位信托成为不想为管理多个单独投资操心的投资者的高效选择。随着时间的推移，这种免维护的方法能够提供强劲的风险调整回报，而无需持续关注。

 

8. 为长期成功而设计

单位信托是以长期战略为基础设计的，目标是实现多年来甚至数十年的可持续增长。虽然股票或加密货币的短期收益可能令人心动，但单位信托提供了一种更一致、更可靠的财富积累方式。这使其成为希望实现长期财务目标（例如退休储蓄或为未来世代建立财富）的投资者的理想选择。

 

尽管股票、债券、房地产信托、ETFs和加密货币在投资组合中都有其作用，但单位信托对寻求稳定增长、多元化和专业管理的长期投资者来说是一个极佳的选择。它们提供了一种平衡且无压力的方式来随着时间积累财富，非常适合那些拥有长期财务前景的人。

无论您是刚开始投资之旅还是希望多元化现有投资组合，单位信托都值得作为您长期策略的一部分来考虑。

 

一起加油！

我是 Zechariah See (国超）

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以上内容仅供参考和个人意见，不构成专业财务建议。建议读者根据自身的财务目标、情况和需求，寻求独立的财务建议。内容未经新加坡金融管理局审查。

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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I almost lost an arm and that was when I realised I had zero insurance.

Many years ago, I was living my life on the edge and very involved in many adventurous outdoor sports. All these came to a shocking realisation when almost lost my arm (or even my life), while kayak surfing with the high waves and deep waters overseas.

This lucky escape began my journey into the financial advisory business.

I wanted every person and family to know about the hard truth of being underinsured early and help everyone become better prepared. We run the risks of losing so much with every day we are not taking action to protect ourselves and our families financially.

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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.

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