Choice is usually a good thing. The problem comes in when there are simply too many options muddying the waters. With approximately 1200 unit trust options available in South Africa, trying to decide which one is best can be overwhelming. The question is: how do you go about making the right choice? “The unit trust market can be seriously complicated for the typical investor,” says Tracy Jenson, Chief Product Architect at 10X Investments . “To help simplify the process, it can be narrowed down to these three simple questions you need to ask yourself before investing.” How long do I plan to invest for? The investment term impacts dramatically on your choice of unit trust. If you’re looking to invest for a specific goal, over a specific time period (i.e. less than five years) you should consider a unit trust that invests predominately in cash and bonds. “These funds are generally low to medium equity portfolios,” Jensen explains. “Over the short-term they reduce market fluctuations and...