Back in the days when I was investing in funds, I had this problem of finding the ideal low cost unit trusts that I could invest in.

In Singapore, there was not a lot of solutions. Back in 2003, exchange traded funds was not prevalent yet, and have not developed into the mindshare that they have now. 

The books and research that I had carried out leads me to conclude that for investing to work out well, we need to respect the cost that we pay for our investing solutions, and that it is damn tough for active fund managers to consistently outperform the benchmark.

What is highly recommended in books, the low cost Vanguard funds, was not available in Singapore. 

We can however, invest in Lion Global’s Infinity Series. This is a wrapper fund that allows you to invest in Vanguard sub funds that follows the S&P 500 index,