Thanks. Yes, maybe good to consider those blue chip / solid names unit trusts from Schroders, Blackrock, Templeton...but after awhile become too confused as there are many similar sounding funds sold by them. Some called them high yield, growth, multi asset but looks like junk bonds products to me. Safer to look at Income but also there are many similar products. Can somewhere who already are receiving good returns from investing in Income funds share their portfolio like what fund, how long they have it and what the annual average return? I can always learn from the successful.