hi, i'm still a student and plan to use part of my savings in some form of investment. since my capital isnt big (rm4k) what are good options for me? i do not intend to invest in the stock market, and see that many recommend unit trust funds for risk adverse individual. how do i go about setting up a trust fund? how long will the money remain in the fund before i can take it? what are the recommended trust funds in malaysia for people like me? lastly, can i lose money in a unit trust?