Investment Services
Mutual Funds
Mutual Funds are instruments that pool the financial resources of individuals and corporates   and invest in diversified portfolios of assets.
The first advantage of mutual fund investing is that it offers professional management of your funds. Mutual funds are managed by professional fund managers, with relevant experience in the wealth management industry. They essentially and effectively keep a close watch on the ever-changing state of financial markets and act in line with the fund’s objective. There is almost no other place where you can get such levels investment management without paying exorbitant management fees.
The second advantage of mutual fund investing is that they are extremely liquid. With a settlement period of T+3, an investor can sell his units any day that the stock market is open. The liquidity of mutual funds gives an investor the ability to reasonably minimize losses and maximize profits short/long term.
The third advantage of mutual funds is the diversification that they offer. Mutual funds invest in tens or even hundreds of different stocks, bonds, derivatives and/or debt. Trying to duplicate this type of diversification in your own portfolio would result in very high transaction and management charges, not to mention headaches arising out of frequent monitoring.
This leads us to the fourth advantage of mutual funds - Lower Fees. Mutual funds have very low fees due to their ability to take advantage of economies of scale. Since mutual funds pool the monies of many investors, they can buy stocks/derivatives/bonds in larger quantities which lead to lower fees for mutual funds investors.
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