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Response:

Calculated Shard: 130 (from laksa018)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa130.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://seedly.sg/posts/what-is-the-difference-between-a-unit-trust-and-a-etf/\')), getAhrefsUnparsedNoserviceFromURL(\'https://seedly.sg/posts/what-is-the-difference-between-a-unit-trust-and-a-etf/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/seedly.sg\/posts\/what-is-the-difference-between-a-unit-trust-and-a-etf\/","crawl_time":1773492597,"first_indexed_time":1649467388,"http_code":200,"src_unparsed":"sg,seedly!\/posts\/what-is-the-difference-between-a-unit-trust-and-a-etf\/ s443","src_root_hash":"10089702552268967530","history_drop_reason":null,"meta_title":"What is the difference between a Unit Trust and a ETF? - Seedly","meta_descriptions":["I don't quite understand this, been often very confused with these terms in the market. Which one is better or are there pros and cons."],"attrs_boilerpipe_text":"A unit trust is typically either a straight out Mutual Fund or Fund in Fund - they invest directly into the stocks and are managed by an active fund manager, who trades on a regular basis to achieve very specific objectives. Unit trusts typically are benchmarked against a certain index, which indicates market performance.\nAn ETF tracks and replicates the index of that market instead. So if the STI is representative of Singapore's market performance, the STI ETF will track that to the best of it's ability.\nAs of 2018, the facts are these:\nETFs\n1) Unit trusts have significantly higher costs than ETFs  (a average yearly expense ratio of about 1.5% versus 0.7%)\n2) Unit trusts typically do not outperform efficient or first world markets (e.g US, Japan).\n3) Unit trusts are not as effective for trading.\nUnit Trusts\/Mutual Funds\/FnF\n1) Instead of beating the market, Unit trusts can achieve better return-risk ratios and Sharpe ratios than ETFs - you may end up with a lower annualized return for much lower volatility.\n2) Unit trusts can (easily, if you go with me) outperform ETFs in inefficient markets net of fees (e.g. India, Thailand), as well as Fixed Income markets (e.g. Bonds and Bond Funds)\n3) Unit trusts give you guaranteed liquidity in the event of a crisis\nThe short answer is that there are pros and cons, and are better for different people in specific situations.\nI offer and understand both quite well as an investment specialist, so you can always drop me a message if you would like to learn more or start your journey right. :)\nhttps:\/\/www.facebook.com\/luke.ho.54","attrs_markdown":"![facebook](https:\/\/www.facebook.com\/tr?id=1090273721022565&ev=PageView&noscript=1)\n\n- Community\n  FEEDS\n  \n  [🏠 Home](https:\/\/seedly.sg\/community\/)\n  \n  [💫 Trending](https:\/\/seedly.sg\/community\/?trending=true)\n  \n  [📰 Articles](https:\/\/seedly.sg\/community\/?articles=true)\n  \n  TRENDING GROUPS\n  \n  [Discover Groups](https:\/\/seedly.sg\/community\/?discover=true)\n- Blog\n  [![Most Recent](https:\/\/f.seedly.sg\/navbar\/blog\/most_recent.svg) Most Recent](https:\/\/blog.seedly.sg\/)\n  \n  [![Life Stages](https:\/\/f.seedly.sg\/navbar\/blog\/life_stages.svg) Life Stages](https:\/\/blog.seedly.sg\/category\/personal-finance-life-stages\/)\n  \n  [![Banking](https:\/\/f.seedly.sg\/navbar\/blog\/banking.svg) Banking](https:\/\/blog.seedly.sg\/category\/banking\/)\n  \n  [![Loans](https:\/\/f.seedly.sg\/navbar\/blog\/loans.svg) Loans](https:\/\/blog.seedly.sg\/category\/loans\/)\n  \n  [![Cards](https:\/\/f.seedly.sg\/navbar\/blog\/cards.svg) Cards](https:\/\/blog.seedly.sg\/category\/cards\/)\n  \n  [![Investments](https:\/\/f.seedly.sg\/navbar\/blog\/investments.svg) Investments](https:\/\/blog.seedly.sg\/category\/investments\/)\n  \n  [![Utilities & Bills](https:\/\/f.seedly.sg\/navbar\/blog\/utilities_bills.svg) Utilities & Bills](https:\/\/blog.seedly.sg\/category\/utilities-bills\/)\n  \n  [![Insurance](https:\/\/f.seedly.sg\/navbar\/blog\/insurance.svg) Insurance](https:\/\/blog.seedly.sg\/category\/insurance\/)\n  \n  [![Property](https:\/\/f.seedly.sg\/navbar\/blog\/property.svg) Property](https:\/\/blog.seedly.sg\/category\/property\/)\n  \n  [![Lifestyle](https:\/\/f.seedly.sg\/navbar\/blog\/lifestyle.svg) Lifestyle](https:\/\/blog.seedly.sg\/category\/financial-lifestyle\/)\n  \n  [![More](https:\/\/f.seedly.sg\/navbar\/blog\/more.svg) More](https:\/\/blog.seedly.sg\/category\/more\/)\n- Product Reviews\n  - Banking\n  - Investments\n  - Cards\n  - Utilities & Bills\n  - Insurance\n  - More\n- More\n  👀 OTHERS\n\n![](data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMzIiIGhlaWdodD0iMzIiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyIgdmVyc2lvbj0iMS4xIi8+)![](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n![](https:\/\/seedly.sg\/_next\/image\/?url=https%3A%2F%2Ff.seedly.sg%2Freward%2Fgift-small.svg&w=64&q=75)\n\nLogin\n\nSign Up\n\nAdvertisement\n\nAnonymous\n\n05 May 2020\n\n∙\n\n[General Investing](https:\/\/seedly.sg\/community\/general-investing\/)\n\n# What is the difference between a Unit Trust and a ETF?\nI don't quite understand this, been often very confused with these terms in the market. Which one is better or are there pros and cons.\n\n1\n\n[Share To Group]()\n\n[Facebook]()\n\n[Linkedin]()\n\n[Telegram]()\n\n[Whatsapp]()\n\n[Copy Link]()\n\n[Follow (2)]()[Report]()\n\n👍\n\n0\n\nPost Merged\n\nThis post is no longer accepting new comments because it has been merged with [Between ETF and unit trust, which would you prefer and why?](https:\/\/seedly.sg\/posts\/between-etf-and-unit-trust-which-would-you-prefer-and-why\/)\n\n[View our community merged guideline](https:\/\/support.seedly.sg\/hc\/en-us\/articles\/900000136506-Questions-Answers-QnA-)\n\nDiscussion (1)\n\n[Luke Ho 15 Oct 2018](https:\/\/seedly.sg\/profile\/luke-ho\/)\n\nFounder and Director at CFX Money Maverick Pte Ltd\n\nA unit trust is typically either a straight out Mutual Fund or Fund in Fund - they invest directly into the stocks and are managed by an active fund manager, who trades on a regular basis to achieve very specific objectives. Unit trusts typically are benchmarked against a certain index, which indicates market performance.\n\nAn ETF tracks and replicates the index of that market instead. So if the STI is representative of Singapore's market performance, the STI ETF will track that to the best of it's ability.\n\nAs of 2018, the facts are these:\n\nETFs\n\n1\\) Unit trusts have significantly higher costs than ETFs (a average yearly expense ratio of about 1.5% versus 0.7%)\n\n2\\) Unit trusts typically do not outperform efficient or first world markets (e.g US, Japan).\n\n3\\) Unit trusts are not as effective for trading.\n\nUnit Trusts\/Mutual Funds\/FnF\n\n1\\) Instead of beating the market, Unit trusts can achieve better return-risk ratios and Sharpe ratios than ETFs - you may end up with a lower annualized return for much lower volatility.\n\n2\\) Unit trusts can (easily, if you go with me) outperform ETFs in inefficient markets net of fees (e.g. India, Thailand), as well as Fixed Income markets (e.g. Bonds and Bond Funds)\n\n3\\) Unit trusts give you guaranteed liquidity in the event of a crisis\n\nThe short answer is that there are pros and cons, and are better for different people in specific situations.\n\nI offer and understand both quite well as an investment specialist, so you can always drop me a message if you would like to learn more or start your journey right. :)\n\n<https:\/\/www.facebook.com\/luke.ho.54>\n\nReply\n\nSave\n\nShare\n\n[Share To Group]()\n\n[Facebook]()\n\n[Linkedin]()\n\n[Telegram]()\n\n[Whatsapp]()\n\n[Copy Link]()\n\n[Report]()\n\n👍\n\n1\n\nWrite your thoughts\n\nRelated Articles\n\n[![article](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2020\/04\/27173837\/Mapletree-Logistics-Trust-60-sec-guide.png)]()\n\n[60-Second Guide](https:\/\/blog.seedly.sg\/category\/60-seconds-guide\/)[Your 60-Second Guide to Mapletree Logistics Trust (SGX: M44U) Units](https:\/\/blog.seedly.sg\/mapletree-logistics-trust-sgx-m44u-guide\/)\n\n[![profile](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2020\/08\/26172642\/download-3-150x150.png)Sudhan P](https:\/\/blog.seedly.sg\/author\/sudhan-p\/)\n\n●\n\n72mth ago\n\n[![article](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2017\/08\/30021830\/Screen-Shot-2017-08-29-at-3.24.35-PM.png)]()\n\n[Beginner Investing](https:\/\/blog.seedly.sg\/category\/basics-of-investing\/)[3 Common Investment Methods: DIY vs Active (Unit Trusts) vs Passive …](https:\/\/blog.seedly.sg\/diy-vs-active-unit-trust-vs-passive-funds-etf\/)\n\n[![profile](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2019\/04\/30014823\/Kenneth2-e1554805167263-150x150.jpg)Kenneth Lou](https:\/\/blog.seedly.sg\/author\/kenneth\/)\n\n●\n\n104mth ago\n\n[![article](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2020\/02\/11113919\/CapitaLand-Commercial-Trust-analysis.png)]()\n\n[60-Second Guide](https:\/\/blog.seedly.sg\/category\/60-seconds-guide\/)[Your 60-Second Guide to CapitaLand Commercial Trust (SGX: C61U) Units](https:\/\/blog.seedly.sg\/capitaland-commercial-trust-sgx-c61u-guide\/)\n\n[![profile](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2020\/08\/26172642\/download-3-150x150.png)Sudhan P](https:\/\/blog.seedly.sg\/author\/sudhan-p\/)\n\n●\n\n74mth ago\n\n[![article](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2020\/06\/24123108\/Mapletree-Industrial-Trust-60-Second-Guide-Seedly.png)]()\n\n[60-Second Guide](https:\/\/blog.seedly.sg\/category\/60-seconds-guide\/)[Your 60-Second Guide to Mapletree Industrial Trust (SGX: ME8U) Units](https:\/\/blog.seedly.sg\/mapletree-industrial-trust-sgx-me8u-guide\/)\n\n[![profile](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2020\/08\/26172642\/download-3-150x150.png)Sudhan P](https:\/\/blog.seedly.sg\/author\/sudhan-p\/)\n\n●\n\n70mth ago\n\n[![article](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2019\/12\/23120127\/Mapletree-Commercial-Trust-60-seconds-guide.png)]()\n\n[60-Second Guide](https:\/\/blog.seedly.sg\/category\/60-seconds-guide\/)[Your 60-Second Guide To Mapletree Commercial Trust (SGX: N2IU) Units](https:\/\/blog.seedly.sg\/mapletree-commercial-trust-sgx-n2iu-guide\/)\n\n[![profile](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2020\/08\/26172642\/download-3-150x150.png)Sudhan P](https:\/\/blog.seedly.sg\/author\/sudhan-p\/)\n\n●\n\n76mth ago\n\n[![article](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2019\/11\/21170218\/211119-MONEYFM-PWD.png)]()\n\n[Seedly](https:\/\/blog.seedly.sg\/category\/seedly-community\/)[A One-Stop Guide For PWDs: Grants, Training, Employment, and Unit Tru…](https:\/\/blog.seedly.sg\/money-fm-pwds-grants-employment-and-unit-trusts\/)\n\n[![profile](https:\/\/cdn-blog.seedly.sg\/wp-content\/uploads\/2019\/08\/14155235\/photo6242218469605091640-150x150.jpg)Rachel Yeo](https:\/\/blog.seedly.sg\/author\/rachel\/)\n\n●\n\n77mth ago\n\nRelated Posts\n\n[What's the difference between unit trust and ETFs? 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If someone could clear me up on the difference between Mutual fund, index fund, Funds, ETFs and Unit trust in the Singapore context?](https:\/\/seedly.sg\/posts\/what-s-the-difference-between-these-finance-vehicles-if-someone-could-clear-me-up-on-the-difference-between-mutual-fund-index-fund-funds-etfs-and-unit-trust-in-the-singapore-context\/)\n\n[What is the difference between Unit trust and ETF?](https:\/\/seedly.sg\/posts\/what-is-the-difference-between-unit-trust-and-etf\/)\n\n[Can anyone please advise if it’s worth it to keep my NIKKO AM SINGAPORE ETF? What’s the difference between a unit trust and blue chips?](https:\/\/seedly.sg\/posts\/can-anyone-please-advise-if-it-s-worth-it-to-keep-my-nikko-am-singapore-etf-what-s-the-difference-between-a-unit-trust-and-blue-chips\/)\n\nRelated Posts\n\n[What's the difference between unit trust and ETFs? Seems like ETF is the more popular option but STI ETF has a unit trust option as well?](https:\/\/seedly.sg\/posts\/what-s-the-difference-between-unit-trust-and-etfs-seems-like-etf-is-the-more-popular-option-but-sti-etf-has-a-unit-trust-option-as-well\/)\n\n[Are Unit Trusts more expensive than ETFs? I just realised I actually bought the STI ETF unit trust rather than the normal ETF? Is there a difference?](https:\/\/seedly.sg\/posts\/are-unit-trusts-more-expensive-than-etfs-i-just-realised-i-actually-bought-the-sti-etf-unit-trust-rather-than-the-normal-etf-is-there-a-difference\/)\n\n[What’s the difference between these finance vehicles? If someone could clear me up on the difference between Mutual fund, index fund, Funds, ETFs and Unit trust in the Singapore context?](https:\/\/seedly.sg\/posts\/what-s-the-difference-between-these-finance-vehicles-if-someone-could-clear-me-up-on-the-difference-between-mutual-fund-index-fund-funds-etfs-and-unit-trust-in-the-singapore-context\/)\n\n[What is the difference between Unit trust and ETF?](https:\/\/seedly.sg\/posts\/what-is-the-difference-between-unit-trust-and-etf\/)\n\n[Can anyone please advise if it’s worth it to keep my NIKKO AM SINGAPORE ETF? What’s the difference between a unit trust and blue chips?](https:\/\/seedly.sg\/posts\/can-anyone-please-advise-if-it-s-worth-it-to-keep-my-nikko-am-singapore-etf-what-s-the-difference-between-a-unit-trust-and-blue-chips\/)\n\nAdvertisement\n\nCompany\n\n[About](https:\/\/seedly.sg\/about\/)[Contact](https:\/\/seedly.sg\/cdn-cgi\/l\/email-protection#e4979194948b9690a497818180889dca9783)[Careers](https:\/\/careers.seedly.com\/)[Privacy](https:\/\/seedly.sg\/privacy\/)[Terms](https:\/\/seedly.sg\/terms\/)\n\nProduct Reviews\n\n[Credit Cards](https:\/\/seedly.sg\/reviews\/credit-cards\/)[Online Brokerages](https:\/\/seedly.sg\/reviews\/online-brokerages\/)[Robo-Advisors](https:\/\/seedly.sg\/reviews\/robo-advisors\/)[Crypto Exchanges](https:\/\/seedly.sg\/reviews\/crypto-exchange\/)[Savings Accounts](https:\/\/seedly.sg\/reviews\/savings-accounts\/)[Broadband](https:\/\/seedly.sg\/reviews\/broadband\/)[Remittance](https:\/\/seedly.sg\/reviews\/remittance\/) [Product Sitemap](https:\/\/seedly.sg\/sitemap\/products\/1\/)\n\nBusiness\n\n[SeedlyBusiness](https:\/\/www.business.seedly.sg\/)[Advertise with Seedly](https:\/\/www.business.seedly.sg\/advertise)\n\nPopular Articles\n\n[Best Fixed Deposit Rate Singapore](https:\/\/blog.seedly.sg\/best-fixed-deposit-rate-singapore\/)[Treasury Bills (T-Bills) Singapore Guide](https:\/\/blog.seedly.sg\/treasury-bills-t-bill-singapore-guide\/)[Latest Singapore Savings Bonds (SSB) Guide](https:\/\/blog.seedly.sg\/guide-investing-singapore-savings-bond-ssb-interest-rate-how-to-buy\/)[Best Savings Accounts Singapore](https:\/\/blog.seedly.sg\/best-savings-accounts-singapore\/)[Budget 2023 Singapore Summary](https:\/\/blog.seedly.sg\/singapore-budget-summary-ministry-of-finance\/)","attrs_readable_markdown":"A unit trust is typically either a straight out Mutual Fund or Fund in Fund - they invest directly into the stocks and are managed by an active fund manager, who trades on a regular basis to achieve very specific objectives. Unit trusts typically are benchmarked against a certain index, which indicates market performance.\n\nAn ETF tracks and replicates the index of that market instead. So if the STI is representative of Singapore's market performance, the STI ETF will track that to the best of it's ability.\n\nAs of 2018, the facts are these:\n\nETFs\n\n1\\) Unit trusts have significantly higher costs than ETFs (a average yearly expense ratio of about 1.5% versus 0.7%)\n\n2\\) Unit trusts typically do not outperform efficient or first world markets (e.g US, Japan).\n\n3\\) Unit trusts are not as effective for trading.\n\nUnit Trusts\/Mutual Funds\/FnF\n\n1\\) Instead of beating the market, Unit trusts can achieve better return-risk ratios and Sharpe ratios than ETFs - you may end up with a lower annualized return for much lower volatility.\n\n2\\) Unit trusts can (easily, if you go with me) outperform ETFs in inefficient markets net of fees (e.g. India, Thailand), as well as Fixed Income markets (e.g. Bonds and Bond Funds)\n\n3\\) Unit trusts give you guaranteed liquidity in the event of a crisis\n\nThe short answer is that there are pros and cons, and are better for different people in specific situations.\n\nI offer and understand both quite well as an investment specialist, so you can always drop me a message if you would like to learn more or start your journey right. :)\n\n<https:\/\/www.facebook.com\/luke.ho.54>","meta_canonical":"sg,seedly!\/posts\/between-etf-and-unit-trust-which-would-you-prefer-and-why\/ s443"}

3. Robots.txt Check

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Response:

4. Spam/Ban Check

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5. Seen Status Check

ℹ️ Skipped - page is already crawled

🚫

NOT INDEXABLE

✅

CRAWLED

24 days ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0.8 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	FAIL	`meta_canonical IS NULL OR = '' OR = src_unparsed`	sg,seedly!/posts/between-etf-and-unit-trust-which-would-you-prefer-and-why/ s443

Page Details

Property	Value
URL	https://seedly.sg/posts/what-is-the-difference-between-a-unit-trust-and-a-etf/
Last Crawled	2026-03-14 12:49:57 (24 days ago)
First Indexed	2022-04-09 01:23:08 (4 years ago)
HTTP Status Code	200
Meta Title	What is the difference between a Unit Trust and a ETF? - Seedly
Meta Description	I don't quite understand this, been often very confused with these terms in the market. Which one is better or are there pros and cons.
Meta Canonical	sg,seedly!/posts/between-etf-and-unit-trust-which-would-you-prefer-and-why/ s443
Boilerpipe Text	A unit trust is typically either a straight out Mutual Fund or Fund in Fund - they invest directly into the stocks and are managed by an active fund manager, who trades on a regular basis to achieve very specific objectives. Unit trusts typically are benchmarked against a certain index, which indicates market performance. An ETF tracks and replicates the index of that market instead. So if the STI is representative of Singapore's market performance, the STI ETF will track that to the best of it's ability. As of 2018, the facts are these: ETFs 1) Unit trusts have significantly higher costs than ETFs (a average yearly expense ratio of about 1.5% versus 0.7%) 2) Unit trusts typically do not outperform efficient or first world markets (e.g US, Japan). 3) Unit trusts are not as effective for trading. Unit Trusts/Mutual Funds/FnF 1) Instead of beating the market, Unit trusts can achieve better return-risk ratios and Sharpe ratios than ETFs - you may end up with a lower annualized return for much lower volatility. 2) Unit trusts can (easily, if you go with me) outperform ETFs in inefficient markets net of fees (e.g. India, Thailand), as well as Fixed Income markets (e.g. Bonds and Bond Funds) 3) Unit trusts give you guaranteed liquidity in the event of a crisis The short answer is that there are pros and cons, and are better for different people in specific situations. I offer and understand both quite well as an investment specialist, so you can always drop me a message if you would like to learn more or start your journey right. :) https://www.facebook.com/luke.ho.54
Markdown	![facebook](https://www.facebook.com/tr?id=1090273721022565&ev=PageView&noscript=1) - Community FEEDS [🏠 Home](https://seedly.sg/community/) [💫 Trending](https://seedly.sg/community/?trending=true) [📰 Articles](https://seedly.sg/community/?articles=true) TRENDING GROUPS [Discover Groups](https://seedly.sg/community/?discover=true) - Blog [![Most Recent](https://f.seedly.sg/navbar/blog/most_recent.svg) Most Recent](https://blog.seedly.sg/) [![Life Stages](https://f.seedly.sg/navbar/blog/life_stages.svg) Life Stages](https://blog.seedly.sg/category/personal-finance-life-stages/) [![Banking](https://f.seedly.sg/navbar/blog/banking.svg) Banking](https://blog.seedly.sg/category/banking/) [![Loans](https://f.seedly.sg/navbar/blog/loans.svg) Loans](https://blog.seedly.sg/category/loans/) [![Cards](https://f.seedly.sg/navbar/blog/cards.svg) Cards](https://blog.seedly.sg/category/cards/) [![Investments](https://f.seedly.sg/navbar/blog/investments.svg) Investments](https://blog.seedly.sg/category/investments/) [![Utilities & Bills](https://f.seedly.sg/navbar/blog/utilities_bills.svg) Utilities & Bills](https://blog.seedly.sg/category/utilities-bills/) [![Insurance](https://f.seedly.sg/navbar/blog/insurance.svg) Insurance](https://blog.seedly.sg/category/insurance/) [![Property](https://f.seedly.sg/navbar/blog/property.svg) Property](https://blog.seedly.sg/category/property/) [![Lifestyle](https://f.seedly.sg/navbar/blog/lifestyle.svg) Lifestyle](https://blog.seedly.sg/category/financial-lifestyle/) [![More](https://f.seedly.sg/navbar/blog/more.svg) More](https://blog.seedly.sg/category/more/) - Product Reviews - Banking - Investments - Cards - Utilities & Bills - Insurance - More - More 👀 OTHERS ![](data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMzIiIGhlaWdodD0iMzIiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyIgdmVyc2lvbj0iMS4xIi8+)![](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ![](https://seedly.sg/_next/image/?url=https%3A%2F%2Ff.seedly.sg%2Freward%2Fgift-small.svg&w=64&q=75) Login Sign Up Advertisement Anonymous 05 May 2020 ∙ [General Investing](https://seedly.sg/community/general-investing/) # What is the difference between a Unit Trust and a ETF? I don't quite understand this, been often very confused with these terms in the market. Which one is better or are there pros and cons. 1 [Share To Group]() [Facebook]() [Linkedin]() [Telegram]() [Whatsapp]() [Copy Link]() [Follow (2)]()[Report]() 👍 0 Post Merged This post is no longer accepting new comments because it has been merged with [Between ETF and unit trust, which would you prefer and why?](https://seedly.sg/posts/between-etf-and-unit-trust-which-would-you-prefer-and-why/) [View our community merged guideline](https://support.seedly.sg/hc/en-us/articles/900000136506-Questions-Answers-QnA-) Discussion (1) [Luke Ho 15 Oct 2018](https://seedly.sg/profile/luke-ho/) Founder and Director at CFX Money Maverick Pte Ltd A unit trust is typically either a straight out Mutual Fund or Fund in Fund - they invest directly into the stocks and are managed by an active fund manager, who trades on a regular basis to achieve very specific objectives. Unit trusts typically are benchmarked against a certain index, which indicates market performance. An ETF tracks and replicates the index of that market instead. So if the STI is representative of Singapore's market performance, the STI ETF will track that to the best of it's ability. As of 2018, the facts are these: ETFs 1\) Unit trusts have significantly higher costs than ETFs (a average yearly expense ratio of about 1.5% versus 0.7%) 2\) Unit trusts typically do not outperform efficient or first world markets (e.g US, Japan). 3\) Unit trusts are not as effective for trading. Unit Trusts/Mutual Funds/FnF 1\) Instead of beating the market, Unit trusts can achieve better return-risk ratios and Sharpe ratios than ETFs - you may end up with a lower annualized return for much lower volatility. 2\) Unit trusts can (easily, if you go with me) outperform ETFs in inefficient markets net of fees (e.g. India, Thailand), as well as Fixed Income markets (e.g. Bonds and Bond Funds) 3\) Unit trusts give you guaranteed liquidity in the event of a crisis The short answer is that there are pros and cons, and are better for different people in specific situations. I offer and understand both quite well as an investment specialist, so you can always drop me a message if you would like to learn more or start your journey right. :) <https://www.facebook.com/luke.ho.54> Reply Save Share [Share To Group]() [Facebook]() [Linkedin]() [Telegram]() [Whatsapp]() [Copy Link]() [Report]() 👍 1 Write your thoughts Related Articles [![article](https://cdn-blog.seedly.sg/wp-content/uploads/2020/04/27173837/Mapletree-Logistics-Trust-60-sec-guide.png)]() [60-Second Guide](https://blog.seedly.sg/category/60-seconds-guide/)[Your 60-Second Guide to Mapletree Logistics Trust (SGX: M44U) Units](https://blog.seedly.sg/mapletree-logistics-trust-sgx-m44u-guide/) [![profile](https://cdn-blog.seedly.sg/wp-content/uploads/2020/08/26172642/download-3-150x150.png)Sudhan P](https://blog.seedly.sg/author/sudhan-p/) ● 72mth ago [![article](https://cdn-blog.seedly.sg/wp-content/uploads/2017/08/30021830/Screen-Shot-2017-08-29-at-3.24.35-PM.png)]() [Beginner Investing](https://blog.seedly.sg/category/basics-of-investing/)[3 Common Investment Methods: DIY vs Active (Unit Trusts) vs Passive …](https://blog.seedly.sg/diy-vs-active-unit-trust-vs-passive-funds-etf/) [![profile](https://cdn-blog.seedly.sg/wp-content/uploads/2019/04/30014823/Kenneth2-e1554805167263-150x150.jpg)Kenneth Lou](https://blog.seedly.sg/author/kenneth/) ● 104mth ago [![article](https://cdn-blog.seedly.sg/wp-content/uploads/2020/02/11113919/CapitaLand-Commercial-Trust-analysis.png)]() [60-Second Guide](https://blog.seedly.sg/category/60-seconds-guide/)[Your 60-Second Guide to CapitaLand Commercial Trust (SGX: C61U) Units](https://blog.seedly.sg/capitaland-commercial-trust-sgx-c61u-guide/) [![profile](https://cdn-blog.seedly.sg/wp-content/uploads/2020/08/26172642/download-3-150x150.png)Sudhan P](https://blog.seedly.sg/author/sudhan-p/) ● 74mth ago [![article](https://cdn-blog.seedly.sg/wp-content/uploads/2020/06/24123108/Mapletree-Industrial-Trust-60-Second-Guide-Seedly.png)]() [60-Second Guide](https://blog.seedly.sg/category/60-seconds-guide/)[Your 60-Second Guide to Mapletree Industrial Trust (SGX: ME8U) Units](https://blog.seedly.sg/mapletree-industrial-trust-sgx-me8u-guide/) [![profile](https://cdn-blog.seedly.sg/wp-content/uploads/2020/08/26172642/download-3-150x150.png)Sudhan P](https://blog.seedly.sg/author/sudhan-p/) ● 70mth ago [![article](https://cdn-blog.seedly.sg/wp-content/uploads/2019/12/23120127/Mapletree-Commercial-Trust-60-seconds-guide.png)]() [60-Second Guide](https://blog.seedly.sg/category/60-seconds-guide/)[Your 60-Second Guide To Mapletree Commercial Trust (SGX: N2IU) Units](https://blog.seedly.sg/mapletree-commercial-trust-sgx-n2iu-guide/) [![profile](https://cdn-blog.seedly.sg/wp-content/uploads/2020/08/26172642/download-3-150x150.png)Sudhan P](https://blog.seedly.sg/author/sudhan-p/) ● 76mth ago [![article](https://cdn-blog.seedly.sg/wp-content/uploads/2019/11/21170218/211119-MONEYFM-PWD.png)]() [Seedly](https://blog.seedly.sg/category/seedly-community/)[A One-Stop Guide For PWDs: Grants, Training, Employment, and Unit Tru…](https://blog.seedly.sg/money-fm-pwds-grants-employment-and-unit-trusts/) [![profile](https://cdn-blog.seedly.sg/wp-content/uploads/2019/08/14155235/photo6242218469605091640-150x150.jpg)Rachel Yeo](https://blog.seedly.sg/author/rachel/) ● 77mth ago Related Posts [What's the difference between unit trust and ETFs? 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Readable Markdown	A unit trust is typically either a straight out Mutual Fund or Fund in Fund - they invest directly into the stocks and are managed by an active fund manager, who trades on a regular basis to achieve very specific objectives. Unit trusts typically are benchmarked against a certain index, which indicates market performance. An ETF tracks and replicates the index of that market instead. So if the STI is representative of Singapore's market performance, the STI ETF will track that to the best of it's ability. As of 2018, the facts are these: ETFs 1\) Unit trusts have significantly higher costs than ETFs (a average yearly expense ratio of about 1.5% versus 0.7%) 2\) Unit trusts typically do not outperform efficient or first world markets (e.g US, Japan). 3\) Unit trusts are not as effective for trading. Unit Trusts/Mutual Funds/FnF 1\) Instead of beating the market, Unit trusts can achieve better return-risk ratios and Sharpe ratios than ETFs - you may end up with a lower annualized return for much lower volatility. 2\) Unit trusts can (easily, if you go with me) outperform ETFs in inefficient markets net of fees (e.g. India, Thailand), as well as Fixed Income markets (e.g. Bonds and Bond Funds) 3\) Unit trusts give you guaranteed liquidity in the event of a crisis The short answer is that there are pros and cons, and are better for different people in specific situations. I offer and understand both quite well as an investment specialist, so you can always drop me a message if you would like to learn more or start your journey right. :) <https://www.facebook.com/luke.ho.54>
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