Generally, what are the possible forms of return on investment can an investor expect from investing in unit trusts?

I. Distribution

II. Capital appreciation

III. Interest Income

Unit trust distributions can be made up of the following:

I. Interest earned

II. Capital gains

III. In-going management fee

IV. Dividends

Amongst others, the calculation of Net Asset Value (NAV) of a unit trust scheme involves:

i. The value of the equity investments

ii. Costs and charges involved in various transactions of the scheme

iii. The value of money market instruments (if applicable)

iv. Accrued gross distribution and interest income after deduction of relevant fees and expenses such as annual management fees and administrative expenses

The best way for investors to minimize the impact of the initial service charge on unit trust investments is to:

Puan Rose decided to withdraw some of her savings to invest in unit trusts. She would like to invest  all of her money in a fund at one time and let it grow irrespective of the market condition. Whereas for Puan Sarina, she has very little savings but every month she is willing to cut some of her expenses and invests in unit trusts. Name the respective ways that can be used by them to invest in unit trusts.