Hi, i need some ideas on good investments. I can save roughly Rm2k-3k per month and the money is just lying in the bank. Some are in FDs.

I put a small amount in Unit trust but i chose to add whenever i want.

As for AS, the last i checked, it's all full.

I'm also looking out for property instead of leaving it in the bank.

What other options should i look at?

I think you have to understand your own risk appetite...a good investment should not affect your "sleep", emotion, lifestyle and etc when it is bearish for some time.
an example is Investment Risk Tolerance Quiz
http://njaes.rutgers.edu/money/riskquiz/
and many when googled.

I think you have to understand your own risk appetite...a good investment should not affect your "sleep", emotion, lifestyle and etc when it is bearish for some time.
an example is Investment Risk Tolerance Quiz
http://njaes.rutgers.edu/money/riskquiz/
and many when googled.

Hi experts,

Just wanna ask opinions.. I have the following :-
1. Personal Loan debt around RM13k @ 13% pa
2. Credit Card debt around RM11k @ 15% pa **
3. Balance Conversion debt around RM7k @ 12.9% pa **

To overcome this debt, I've setup a special fund. At the moment I've RM9K (monthly savings of RM1k) and plan to settle my Personal Loan which I pay around RM550 monthly.

Once I settle this loan, I can save up to RM1.5k monthly and plan to settle item 2 and item 3 within year 2014.

My vehicle is being paid off recently and RM550 of it goes to my ASB savings which accumulate to RM14k to date. I plan not to touch this money as this is my savings and investment.

My other debt is my house which I believe is good debt since the price now is around RM400k from RM151k. RM100k to go.

Your suggestion and advice in this matters is highly appreciated.

Thank you.

**under same bank.

Finally can take out Item 1 from the list.. 

Finally can take out Item 1 from the list.. 

what is it?

Finally can take out Item 1 from the list.. 

....... so i'm looking for something smaller which can turn out to be a good investment (with average risk for now)

I am a degree graduate and am earning only 1700 per monthbeing an executive in retail industry, but im happy with my job and my current lifestyle. Having work for 3 years, i have limited savings due to the low salary and high living expenses. But this doesnt deter me from saving and start investing. Got no car, no house, no property whatsoever. Bad Bad

Due to peer pressure, i think its better off to bump up my self confidence and look for better opportunities, when most of my friends are earning more than 5k per month, im earning 1.7k. This is what we choose, what i have choosen 3 years ago. But this thinking had been in my mind the first day i started my current job, and time flies, 3 years later, im still here, complaining that i earn peanuts, but did i do anything? =/ Well, obviously i dint do enough. We must believe that there is a better and brighter sky out there.

For those who earn high income but complain that standard of living is too high, got not enough money to use, think of those like me who earn so little yet managed to save and invest. People earning 1k plus can start a family, by living within their means.  You can do it, the key is actually PERSONAL FINANCIAL MANAGEMENT. Take it personal, there is no plan that is for everyone. Manage it perrsonaly, do not just whine and complain like me =/

Now for those who are like me, always complain that pay is low, do you have capabilities that proved that you are indeed underpaid, if yes, anything been done? Ever look for better opportunities, i believe a lot of you would say No. Because im in the exact same situation so i understand =/ Again, it PERSONAL FINANCIAL MANAGEMENT. Its your life, its personal, its how you managed it. I have been giving it a lot of thought lately, im getting older, i already have a slow start up, now my resolution for 2011 is to get a new job. Albeit slower than those who earn more and save more, we can also achieve it, thru various ways.

Take charged. Make it personal.

which bank offer the best FD?