firstly, dont venture into stocks or UT if u know nothing abt it. u need to learn abt it first.

as for ur shoplot, got rental income or not? if got income to cover the monthly payment, then good. keep it like that.

as for ur fd, u can try to invest it in PNB related fund such as ASB, ASW2020, AS1M etc... its better coz the PNB will manage ur fund, least headache for u...

or u can try meet some UT agent, they can help explain to u what UT is all abt... last time i learn abt UT is from a Public Mutual agent. after that, i learned abt stock market and now my funds are all in stock market....



but if I hav the 150k, i'll be putting 30% into stocks and the balance will be invested in property... earn passive income..

For a fresh grad, i believe the best investment is to invest in urself by learning more abt investment before venturing into it. Once u know better and can manage risks, then only start investing. Myself, it took me 6 months to learn abt stocks before putting my money into it. Same goes to investment in precious metals. Real estate; ive been reading abt it for quite a while already, but still hasnt got the courage to put my money.

u shud buy Personal Money Magazine Sept 11 edition.
this month they discuss how to invest rm1k, 5k, 10k and 20k...
shud be a good guide for beginner.