Collective Investment Schemes (CIS) are investment programs that pool money from multiple investors to invest in a diversified portfolio of assets, such as stocks, bonds, or real estate. This approach allows individual investors to access a broader range of investment opportunities and benefit from professional management, which can lead to better returns than they might achieve on their own. CIS can take various forms, including mutual funds, exchange-traded funds (ETFs), and hedge funds. By participating in a CIS, investors share the risks and rewards, making it a popular choice for those looking to grow their wealth while minimizing individual risk.