Hi all,

I just got a baby last 2 months and we have accumulated some cash that were given to the baby. Unfortunately I'm not too sure what is the best way to maximize the profit for her future (education & etc). Some said I should join unit trust and some even advise me to buy a gold.. but can anyone help me with this? Since there are too many banks around and I'm not really good when it come to financial mgmt.

All investments are attached with its own unique risks.
If you are going for educational fund, my suggestion is to go for properties.

If you do it properly you should be paying for the downpayment + some inital charges only, there after the rental shall cover the monthly installments (net positive cashflow). This advantage give you lesser financial burden and some hedge against inflation and mild fluctuation of investment value.

Your major risk is location + tenancy, check out for good location with high tenancy.

Before you could go out and start buying, read some property investment book + ask those sifu sifu for opinion.

You got time do your research now maybe buy one year later. Decide properly as it involve your child future and your long term commitment.

Some said property is not liquid enought, to me is not true..check out the financial instrument available to finance your property, study and compare them properly, you will see that property is liquid.