RETAIL investors in Jardine Fleming's unit trusts will now be able to perform all transactions - from purchases and sales to transfers and account enquiries - 24 hours a day, from anywhere in the world, by phone or fax. The new investment services have been designed for those who do not have the time or the expertise to manage their own portfolio and who need accurate information and dealing facilities wherever and whenever needed. ''What's important for the retail investor is that everything has been simplified, all the technical jargon has been removed,'' said Jardine Fleming Unit Trusts Ltd's general manager, Blair Pickerell. While only two per cent of the market takes advantage of unit trusts, Hongkong's booming middle-class provides perfect demographics for a rapid expansion of the unit trust industry. ''Hongkong's middle-class is incredibly hard-working,'' said Mr Blair, ''so while it will have more and more money to invest, it will not have the time needed for all that traditional paperwork.''