Frequently asked questions
常见问题解答
What is Unit Trust?
A unit trust is a fund comprised of money contributed by multiple investors, which can include members of the general public. The more money an investor puts into the fund, the more units of the fund the investor weill recive. The fund is then invested into a variety of assets to achieve a stated investment objective by a team of professionals. Unit trusts are also known as mutual funds or collective investment schemes.
单位信托是一种由多个投资者（包括公众成员）共同出资组成的基金。投资者投入的资金越多，所获得的基金单位就越多。该基金由专业团队管理，投资于各种资产，以实现预定的投资目标。单位信托也被称为共同基金或集体投资计划。
What are some of the different types of Unit Trusts?
Equity Funds: These are funds that invest solely in stocks.
Fixed Income Funds: These are funds that invest soley in bonds.
Balanced Funds: These are funds that invest in a combination of stocks and bonds.
股票基金（Equity Funds）：这些基金仅投资于股票。
固定收益基金（Fixed Income Funds）：这些基金仅投资于债券。
平衡基金（Balanced Funds）：这些基金投资于股票和债券的组合。
What are the fees and charges when I invest in Unit Trusts through OCBC Digital?
The upfront sales charge that you will be paying will be shown on OCBC Digital when you purchase a fund. A one-time sales charges is applicable for lump sum investments.
A sale charge is applicable for recurring monthly investments into the fund.
当您通过OCBC Digital投资单位信托时，会有哪些费用和收费？
当您购买基金时，您需要支付的前期销售费用会在OCBC Digital上显示。一次性销售费用适用于一次性投资。
对于每月定期投资到基金中的情况，销售费用同样适用。
Am I eligible to buy Unit Trusts?
To be eligible to purchase Unit Trusts, please ensure that you are:
At least 21 years old.
Not a US citizen.
Not a UK resident, EU resident of person residing within the EEA.
我有资格购买单位信托吗？
要符合购买单位信托的条件，请确保您：
年满21岁。
不是美国公民。
不是英国居民、欧盟居民或居住在欧洲经济区（EEA）内的人员。
Can I buy a Unit Trust using my CPF or SRS money?
Yes you can, however only selected funds can be bought using CPR or SRS monies. Please ensure that your CPF or SRS account is opened or maintained with OCBC.
我可以使用我的公积金（CPF）或补充退休储蓄（SRS）资金购买单位信托吗？
可以，但只能使用公积金或补充退休储蓄购买特定的基金。请确保您的公积金或补充退休储蓄账户已在华侨银行（OCBC）开设或维护。
How long does it takes to purchase a Unit Trust?
When you buy a unit trust fund, trades are aggregated and sent to the fund house for settlement. You will only see the units allocated to you once the trades are settled. This will generally take 3-8 business days.
购买单位信托需要多长时间？
当您购买单位信托基金时，交易会被汇总并发送给基金公司进行结算。只有在交易结算后，您才会看到分配给您的基金单位。这通常需要3到8个工作日。
Will I be notified when my purchase has been successfully executed?
We will inform you through SMS and/or email once your trade is settled.
购买成功后，我会收到通知吗？
一旦您的交易结算完成，我们将通过短信和/或电子邮件通知您。
Can I sell my Unit Trust online?
Yes you can, howerver not all funds can be sold online. For funds that cannot be sold online, you may proceed to any of our branches to submit your redemption instructions.
我可以在线出售我的单位信托吗？
可以，然而并不是所有基金都可以在线出售。对于无法在线出售的基金，您可以前往任何一家分行提交赎回指示。
Does OCBC charge any fees for (a) selling a Unit Trust online or (b) submitting redemption instrucctions of a Unit Trust at OCBC Branches?
No. Note however that there many be fees charged by the fund houses for sale of a Unit Trust.
OCBC会收取任何费用吗？（a）在线出售单位信托或（b）在OCBC分行提交单位信托的赎回指示？
不会。然而，请注意，基金公司可能会收取单位信托出售的费用。