May be you should spend some time to read the PHS about what they invest in

For 6 months only, the UT just barely enough to cover the sales charge, which effectively reduce your interest rate

Not a bad fund to start with (less volatile), but buying UT from banks is not always a wise choice especially with such a short duration with FD and bank will charge max SC from you.

3% according to their fund fact sheet
https://www.fundsupermart.com.my/main/admin...heetMYHWSIF.pdf


For example you have 300k to put:

Uob 4.45 for 1:1 ut: FD
you need to put 150k in UT and 150k in FD

5.05 for 2:1 ut:FD
You need to put 200k in UT and 100k in FD

Unit Trust