Fixed Deposit (FD) versus Unit Trusts FD is simply a SAFE way to lose money over time because inflation erodes value of money. Lots of people put money into Fixed Deposits, thinking it’s a safe way to grow wealth. But with an interest rate of 3.8%, a RM 100,000 investment grows to just RM 151,400 in 10 years. In comparison, Unit Trust portfolio with an 8% return could turn that same RM 100,000 into RM 215,892—a RM 64,492 difference! ✅ Can you really afford to lose 65k ? Be smart.