Unit trusts compared with the alternatives
Fixed deposits, savings accounts and treasury bills, set against unit trusts by someone who sells none of them.
Most pages answering these questions belong to a bank or a fund manager, which means they are written by someone with a product on one side of the comparison. We publish prices for every licensed unit trust in Sri Lanka and have no deposit product at all, so what follows states what each instrument actually promises and stops short of telling you which to choose.
Unit trust vs fixed deposit in Sri Lanka
A fixed deposit is a contract: the bank agrees a rate in advance and returns your capital at maturity, and the bank carries the risk of what it does w…
Money market fund vs fixed deposit in Sri Lanka
A money market fund holds short-dated instruments — treasury bills, commercial paper, bank deposits — and passes through what they earn after a fee, w…
Unit trust vs savings account in Sri Lanka
A savings account pays a variable rate set by the bank and lets you withdraw at any time. A unit trust holds assets on your behalf and pays whatever t…
Unit trust vs treasury bills in Sri Lanka
Both give you exposure to Sri Lankan government paper. Buying bills directly means no management fee but managing maturities yourself and meeting the …