currently wanted to put FD to CIMB for 3 months..
but they recommended me on smartinvest..
it's like 60% FD and 40% Unit trust..

anyone taken this before?
can someone provide pros and cons of this package from CIMB?
and CIMB unit trust any good ar?

yea i know public bank is the best out there..
but cimb is having this package with FD+UT..
we don't have to top up anything but fixed amount in FD and fixed in UT..
end of the day we just get the returns..
so i wanna know let's say 20k in UT.. so the returns still depends on market performance.. then can i say if i put 20k in UT.. i will definitely get back 20k + x% returns?

i thought i heard unit trust also can be negative in returns?
if i invest 10k in UT.. will i get 10k+% after a year?
im not really sure how unit trust works..

so is it good to buy UT now?
how is the market like now?

i know la fd thread..
but there is this FD+UT offered by CIMB now..
so thinking if purely put on FD or try to invest in FD+UT..
if the market is not good.. and after a year, the return is less than FD.. then better not la..

hi bear bear..

it is not a promotion...
i asked for a better return in 1 year..
they mentioned to me both products

FD and FD+UT

of course.. they talk big on ROI for FD+UT
so now im asking experts here on the market health for UT under CIMB..