Ha, it is greate that someone had take a step to buy Amanah Saham. Amanah Saham launch from Government always is the hottest to grab by non-bumi especally for Chinese. Why? This because the divident provided is higher than saving account.
Good, this is the first step as we need to fight with inflation rate. If the interet rate much more lower than inflation rate, how do we survive in the future. The value of our money is drop!

For me, Amanah Saham from Government is only for me to diversified the investment. I am most probably more like the private unit trust company where it is better for saving purpose.

Most of the government launch Amanah Saham will be finish fast and most of us will only do a big lum sum investment. How much the fresh graduate have, how much money do we have to buy it?

For unit trust investment it is advise for regular saving and we can save every month with smaller amount for our retirement fund, education fund or others purpose. Then for investment, it is highly recommended to do dollar cost averaging, that we not only buy at high market but also low market, which will end out with average value that may let us enjoy the benefit.

For unit trust investment, we cannot put our emergency fund to it, it is encourage to be long term investment and you keep 3 to 6 months expenses money as emergency fund before step to investment.

Regular investment is encourage to make you have a saving habits. To be achieve financial free, let money work for you but not only you work for money.