for 3 minutes, just ignore the blue tag

i'm currently nearing my thirties. what i do and how much i earn shouldn't be important, rigth?

currently,

1. i maxed out my ASB investment
2. HP repayment about RM 800, another 2 yrs left  <-- my only liability, currently
3. property loan repayment = RM 2k per month, 9.5 yrs left

i've been saving almost 60% of my salary. my ASB goes from zero to max within 5 years.

i don;t desire many things but i still do spend normally - a new phone every year, this and that, fine watches, bicycles, gadgets, etc etc

now my big problem: i just don't have any idea what else to do with the money. pls help.

atm, i just dump my extra money into ASM or ASW which earns me about 6% return annually.

and to quote from a popular pop song "i wanna be a billionaire, so freaking bad... bla bla bal bala bal"

and oh yeah. i'm single. w/o insurance (never believe in insurance)

Hi, you can invest unit trust, for long term investment, rate of return is 8 %

Hi all, I am a fresh graduate starting work in pj. I am determined to save up and invest rather than spending it away.

So here is what I got.
-I have a 2.7k salary, with around RM400 allowance, which most of the time will be used up for transportation, since I travel alot.
-I got a car, and won't be changing it, just maintain it.

The question is, how and what should I invest in? Coz I dun believe in putting money in bank, coz the interest rate is way too low. I believe money can generate more money itself. Hope some sifu will gimme some advise!

8%? guaranteed?

for conservation calculation, long term inverstment, can accept and take moderate or aggresive risk.
So,rate of return: 8%, sometime more than 8%(i am not guarantee this, depend of fund manager them how
to invest)

I dont think there is any guaranteed investment.

ASB, ASW2020, ASM are some examples

there is a FD plus at 4.16%? I googled and can only find up to 3.15.
Could you post a link or something please 

I dont think there is any guaranteed investment.

for conservation calculation, long term inverstment, can accept and take moderate or aggresive risk.
So,rate of return: 8%, sometime more than 8%(i am not guarantee this, depend of fund manager them how
to invest)

  i think this looks like it...
"A range of guarantee features

To offer you real peace of mind, you can be assured that by investing in XXXXX’s unique guarantees there is never a downside to your investment, only an upside.

If you are asking yourself these questions then the XXXXX Guaranteed Investment Bond could be for you:

How can I get a better return than bank deposits now interest rates are so low?
How do I make sure that I get back at least what I invest?
How do I secure my capital but not lose out when the stock market starts to recover?
How do I invest tax-efficiently?
To find out more about our Guaranteed Investment Bond speak to your Financial Adviser."

if you like, visit this for info...http://www.metlife.co.uk/individuals/investments/gib/index.html#overview

That one is more or less the same as FD cause it is short term bonds. u want guaranteed put in FD. 

That one is more or less the same as FD cause it is short term bonds. u want guaranteed put in FD. 

meaning to say it is guaranteed at least 8%?

Hi forumers,

Anything better than a 3.65% FD rate for 55k? I tried the ASM, couldnt get it at all. I dont know stocks, I dont hold any UT. Had 2 accounts for HLA Cash Builder with yearly commitment about 5.5k.
Still have around 30k(FD 1m 3.0%) waiting for something better. Any idea what to do? Thanks.

Hi forumers,

Anything better than a 3.65% FD rate for 55k? I tried the ASM, couldnt get it at all. I dont know stocks, I dont hold any UT. Had 2 accounts for HLA Cash Builder with yearly commitment about 5.5k.
Still have around 30k(FD 1m 3.0%) waiting for something better. Any idea what to do? Thanks.