Beware of the terms & conditions when you do invest in capital protected trust fund.
You may not get your money back immediately after the maturity period. It does vary from institution to institution but just beware, it's not what it seems in terms of liquidity and projected gain.
Take for example, ING Capital Protected Baraka Fund . Maturing in early July 2010 after 3 years, it has not pay out the money to its investors. It has a hidden built-in clause (not disclosed verbally by its sales personnel at time of sales) that permits it to to take as long as 2 months after its maturity to return the money to its investors.
The fund has not performed as projected (min 6% to max 30%) but instead has yielded zero gain to its investors.
Lesson for all..?
No two trust funds are alike so choose carefully. Have the sales staff to explain in details the prospectus, if necessary, page by page. Look at the historic performance of the company trust funds bearing in mind that good fund managers are always head-hunted and pinched so there's no guarantee that previous performance of the funds can be extrapolated.
Learn to handle your own investments. Trade the market and start by investing in dividends paying stock counters. Learn from the many bloggers who share their ideas and opinions so unselfishly. Start small and invest consistently. And don't worry too much about price fluctuation when buying into good companies, eg. if you think TM at RM3.50 is expensive then what do you think will be its price in 5 years, 10 years, 15 years period when your kids grow up to buy into the stock market...?