Hi, that depends on your age also I guess, me too looking at this now. M in 30s and can afford for some risk for this money. After really sit down to do checking on some mutual funds info, realized that to make 12% p,a, average over 10 years is the record.

Much better than some saving plans by the insurance companies.

plus I can stop the saving temporary anytime I want to if I decided to take the money for holiday later.. hehe...

I calculated with RM 500 x 12 mths x 10 years = RM 60,000 savings. It will turn RM 132,000 with just simple calculation. Compounding like FD will be more lah, but I always look at the simple calculation so whatever I get extra is bonus lah =p.


I do buy a bit stock but always no time to monitor, missed the cash out point when price r good... hv to hold on lah... what to do.