• Professionals with an understanding of markets and investment instruments do the work for you
• You own a portion of many different companies
• You own shares in ‘blue chip’ companies where the cost of a share may be beyond the reach of an average investor
• You determine the size of your investment
• Your units can be used as collateral or security against borrowings
• You derive benefit from pooling of resources, i.e. sharing risks and reducing costs

• You pay an upfront entry fee if you invest through a life broker
• You need to pay a monthly service fee
• No performance guarantee – market value fluctuates
• Others make the investment decisions for you