invest in unit trust?
waht is ur time frame? short term or long term.

unit trust for 3 yrs and above.

waht is ur risk appetite? conservative, moderate, aggressive.... recomened funds base on ur risk appetite..

do u hv backup $ for ur emergency, at least 6 months for ur monthly expenses.. if not don't invest first, get tready with backup 1st.

no comments for ins + invtsment... as im not very good on that.

with ur 3k, u can also invest into stock market. its not much, but u hav better control of ur investment. if unit trust, u need to pay management fees summore. anyway, u need to study+research+read news etc before u can understand the stock market.
education is the most important.

our fren suggesting, if u go for stock market, buy finance/bank sectors. blue chip. or u can go for dividends stocks.......dividends never lies.
if u intersted unit trust.... moderate funds available for u. dividend funds also better. if u bumi..... better stick with ASB. 8 -9% with bonuses because ur time frame abt 5 yrs.
whatever is invst with ur OWN RISK.

PM me or email to kparam77@yahoo.com if u interested in Public Mutul unit trust investment.

counters are those company listed in the KLSE.

bank counters = CIMB, Maybank, Affin Bank, AmBank, Bank Islam, Public Bank, RHB etc.....

instead of buying unit trust, might as well you equip yourself with knowledge about stock market. Learn the fundamental (for stock picking) as well as technical (for timing). the best investment is investing in yourself with knowledge.

i don't really get your point. what are you trying to get with the 3000 that you have? what kind of return you expect per year? what kind of risk you willing to take? those are things that only you can answer, in order select which investment tools that suits
banks are usually a relatively safe bet for investors as they are highly regulated. stable banks like Maybank and CIMB usually offer you dividend around 5-6% p.a. that is better than any FD. buy at low price, and you will also have opportunities for capital gain. This is the kind of thing that blue chip counters have to offer you. Relatively low risk, and stable dividend with opportunity for capital gain.