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	One attractive way to save is through unit trust savings plans. Some of the plans are summarized in Table 3. Table 3   Unit Trust Fund Min. Initial Deposit (RM) Min. Monthly (RM) Fees % p.a 1 Yr. Performance (%) up to 4/10/96 KL Regular Savings Fund 500 50 1.5 21.70 BHLB Pacific Savings Funds 1,000 100 1.5 15.28 HLB Growth Fund 1,000 100 1.5 26.19 SBB Premium Capital Fund 1,000 100 1.5 24.02 Whilst not too much regard should be paid to 1 year performance as per Table 3, unit trusts can deliver very attractive rates of return. The compounding effect of higher returns will mean your savings grow into a substantial amount. Apart from unit trust companies, some investment advisors recommend savings plans which invest in various types of investments. With an initial investment of RM1,000 and a monthly installment of RM100 for 10 years, expected return of say, 12% per annum , your nestegg becomes a substantial amount. Please refer to Table 4. Table 4 Period Year Amount Invested (RM) Forecast Investment Value (RM) 0 1000 1,000 1 2,200 2,391 2 3,400 3,954 3 4,600 5,712 4 5,800 7,688 5 7,000 9,909 6 8,200 12,407 7 9,400 15,214 8 10,600 18,370 9 11,800 21,917 10 13,000 25,905 Table 4 shows how your deposit of RM1,000 and a monthly deposit of RM100 grows. With time flying by, you will find that suddenly you have about RM26,000 in your savings. Just imagine the RM100 being spent in a single trip to a hypermarket instead of being placed in your savings! The major benefit of investment advisor's recommended savings plans is not all your money is in one particular investment. Your money is spread over several different types of investment so you are likely to enjoy more stable returns. These are some of the ways to save. All it needs is discipline. Savings is not just to combat inflation but is a way for you to have something just when you need it.