I mean will the fund manager/house will collapse ?
Any fund manager/house collapse before?
If we buy different Allianz funds , and Allianz collapse , is it mean that all our Allianz unit trust will gone?
(Ex: Allianz Europe Equity Growth , Allianz China A-Shares , ALLIANZ THEMATICA AMG H2-SGD DIS .... )
Why people buying unit trust vs ETFS?
Will unit trust like bonds that had different term like Callable date, reset the coupon rate..?
Will unit trust like stock that will issue right, Stock split , stock privatize or delisted?
Thank you all senior here for the help.
I not guru, just try to give sone inputs based on my own logical thinking... No read books, no teacher.
I do buy UTs as you and have same questions like you. But everything has risk. Fund house can collapse, bonds can default... Same for ETFs. All that u mentioned can happen, since UTs hold a basket of stocks, bonds, etc. But I assume (this is not right) the fund house will take the necessary action to replace them or whatever, since this is what they are paid for.
There are some UTs with same components like ETF, eg. Nikko ARK (SGD) vs ARKK (USD). Just need to see the pros and cons and decide what suits you for this type. Eg, UTs have higher expense ratio over ETFs.
For Bonds UT or income funds, u need to note the underlying funds. Those with higher returns hold quite a bit of junk bonds. But it is also these junk bonds that can give u higher returns.
In general, i read the fact sheet and see the underlying funds, the region, dividend yield, growth, top holdings, risk ratings of the broker and check morning star rating. I do see the AUM but I dunno what is considered as big.
Just spread out the risk level and region will do. This is my take.
Being kiasi and mentally thinking I spread the risk, sometimes I'll buy similar funds with different fund house. I'll keep track and do comparison of the yields. Being kiasu, I also buy same funds with monthly div vs quarterly div to compare.
It is time consuming to track if you buy too many funds. But in a way, it force me to be alert if anything goes red. What is my next step etc. I love UTs cos it's easier to compute the monthly income if I buy income funds. But of course, past performance does not guarantee future performance.
Just start small, since some brokers offering 0% sales charge. Do dca in small amount. Have a feel first, don't rush. Hear different views and assess. I feel investments dun have right or wrong answer, as long as u are happy with the returns.
Info for TS... 
