Property is good to own. Just buy the one you can afford and dont streach it.

About 80% FD in aussie. Earning 5.8% pay monthly. But recently reduce to 3.18% only.

I went to iproperty fair. Finalise with 3 project but don't know which to choose. 1.summer suite by uem sunrise at kampung baru, jln cendana.
2. Double storey terrace by Abadi at bukit puchong. 3. Damansara foresta by land and general.

Really scared to confirm and end up didn't buy again. Me kiasee lar..

Thanks to everyone for your interest and support in Maisons @ Rawang!!
Great response with 30% sale during our 1st weekend of soft launch...
17 & 18Aug13.

matttkl@reapfield.com
016-2085108


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If I'm not mistaken, interest income earned from Aussie FD is taxable but not for Msian FD. Therefore, the interest rate more or less the same.

Recommend me how to invest my money

Age 25
Sales executive

Rm60k in bank
Currently all in fd only

Loan: 5 years rm518 proton saga

Salary 5k

one forummer once posted this....
Every investment come with different risk and rewards, there is no such thing of best investment.
Want better return then need to exposed to the risk of it.
So it is depending on individual risk tolerances and preference.

try reading this
http://www.fool.com/how-to-invest/
and goggle yourself if have to

i think you need proper financial planning first before invest your money.

1) your current financial status, cashflow? emergency saving? other commitment?
2) your goal of investment? house?
3) your risk appetite?aggressive? moderate? low?
4) your time horizon of investment?

there are many investment in the market, share, unit trust, property, gold, silver, interest scheme...
No one is the best, just see you understand & comfortable with the investment or not...

just my 2cents...cheers!

Maisons @ Rawang shop office.
40% sold since the soft launch on last saturday!!!!
fast moving.....
only 42units for sale!

This post has been edited by matttian: Aug 22 2013, 06:08 AM

1) 60k can be your downpayment & misc fee for buying your first house. 5k income can give you max housing loan to about roughly 300-350k...
keep 15k in saving account for your emergency cash. invest the 45k or use it to buy house,

2) you wan a new house or subsales? nowadays new property for a condo easily more than rm400psf in prime location, but buying a new house there are possibility you can enjoy low downpayment,DIBS, etc. buying a subsales then you need to get a good house with reasonable market value.

3) moderate - low then will advise you transfer part of your saving to balanced fund / bond fund in unit trust, earning 4-6% return p.a. there are many questionnaire to test your risk profile.

4) time horizon, how long you can keep this money for invest? or how long you wont touch the money for personal usage? assuming you need 100k to buy your 1st house in 3 years time. then 3 years will be your investment time horizon.

Tq for yr feedback. I know its a fact. Still trying to convince myself...just buy and less thinking and it has been thinking and wait all the years.

Tax only applicable for earning more than aud6000 interest p.a. which i don't have that much ...hahahaha....

Intend to commence retirement savings with PRS providers
Can anyone recommend which PRS providers?

List of PRS Providers approved as at 25 April 2013
http://www.sc.com.my/main.asp?pageid=1214
just goto their respective websites and locate the prospectus, read and decide lor

I have read
I want to know which PRS providers is good

Do not have enought track record on the funds performance yet..

did not say for what risk category, what is "good" defined?

This post has been edited by yklooi: Aug 28 2013, 09:23 PM

delete

This post has been edited by yklooi: Aug 28 2013, 09:23 PM

M aware since started last yr only
Out of d 7 providers, which 1 would u recommend?