You gain several benefits from pooling your money in a trust with other investors.

Potentially superior returns:
Unit trusts provide potentially superior returns to fixed deposits over the longer term, providing investors with the opportunity to build real wealth.

Easy and affordable investment:
unit trusts are a convenient and low-cost way of investing in financial markets. They enable investors to invest in a wide variety of diversified portfolios of shares, bonds and other financial instruments they would not necessarily be able to afford as individuals.

Investor can share in the rewards of the stock exchange without without the risks of direct investment.Unit trusts offer investors the choice of switching their portfolios when their needs and risk profile changes and the choice of increasing, stopping or decreasing stop orders without penalties.

Diversification of risks:
With a relatively small investment, a collective investment provides access to a broad spread of different shares and investments.
This diversification helps to reduce your risks because it makes you less dependant on the performance of one company.

Expertise in Professional Management:
British-American Unit Trusts are managed by highly qualified investment managers and investment specialists whose full-time job is to make investment decisions.

Few people have the time, skills or experience to actively manage their investments and research the best way of making money.
By investing in the British-American unit trusts, experts experienced in investments are managing your money on a daily basis and ensuring your peace of mind.

Value for money:
British-Americanunittrustsaredesignedtogiveinvestorsgood value for money. The pooling of money increases the buying power by enabling the payment of lower dealing and administration costs than if the investor had invested directly in a selection of investments.

The pooling of investments also enables the fund manager to buy shares, money market instruments such as treasury bills, bonds and other investments which would be beyond the reach of the average investors.

Flexible investment options:
British-American unit trusts provide investors with the following investment options:

Lump sum investments:
A lump sum investment can be made at any time during the life of the investment, resulting in the entire investment benefiting from the growth and income potential of the chosen unit trust.

Following the opening of your account, you are able to invest any additional amounts to top up your account.

Monthly Investment Plan:
A regular monthly investment can be made into your account resulting in an easier way of building capital. A monthly investment has the benefit of shilling cost averaging, where additional investments can be made during times of market weakness. A Monthly Investment Plan would also allow you to invest in a long term savings plan to meet your desired financial goals.

Switching:
Investors are able to switch their investments between different portfolios.

Cash Withdrawal Facility:
The Cash Withdrawal Facility allows you to take regular withdrawals from your British-American unit trusts. The facility is useful if you are investing for a specific event in the near future where you will require a regular flow of cash -to pay for school fees, fund your children’s further education or to supplement a regular income. The Cash Withdrawal Facility is flexible, simple and tax-efficient way of taking withdrawals from your investments.

Liquidity: British-American unit trusts are flexible and easily accessible. You can sell all or part of your investment at any time. However, we recommend that investments in the Balanced Fund and the Equity Fund should be viewed as medium to longer term of 3 to 5 years or more in order to benefit from market cycles.

Tax efficient: Unit trusts are highly tax efficient investment. A unit trust fund does not pay tax on its income, either from dividends or interest. In addition, unit trusts do not pay tax on capital gains.

Safe and Transparent:
Unit trusts are strictly controlled the Capital Markets Authority under the Capital Markets (Collective Investment Schemes) Regulations, 2001. The regulations impose duties and responsibilities on the key functionaries of the fund including fund manager, custodian and trustee.

The fees and charges are transparent and are published in the Information Memorandum. Information on the investment performance is provided in a report audited by external auditors. Each unit trust has a Trust Deed, the legal document establishing the trust, and an Information Memorandum, of which a copy are available by email.