Let say if you want to invest at any unit trust later, I would suggest you a few things:
1. Identify what is the risk level of any unit trust. The higher the risk, the higher the return or vice versa.
2. Look for a fund which has low level of liquidity. It means that you can redeem the money as soon as 3-6 working day. Some unit trust company offer minimum one year maturity period. It means there is no way no can get the money less an maturity date.
3. Look for a good agent. A good agent will sometime help to double up your return as much as 50% higher. It is because he/she should be able to advice you when the right time to sell and buy back the share. We call it Buy at low sell at high. So, there is nothing wrong with the unit trust. A client also need to know something about it.
4. Start with a small number of amount advance as low as RM50.00 a month. I am sure you can do it right away. You may diversify some of your saving and compare the return with existing investment vehicle.