Hi ... im new fresh graduate working as goverment servant earning rm4500 after epf
currently already have a car and stay with my family
im looking to maximize my saving to rm500000 in 3 year... it possible
any advise ????

one more ting ....it is wise decision to get personal loan rm 200000 at 3.88% interest rate pay in 20 year and invest all of it into investment which give 6% dividend,....???

Hi, I need some advice on investing smartly.

My parents are very careful with all their savings and they are not very good in investing. Most of the money is just lying in FD's. Now it's my turn and i'm willing to take some risks.

I'm 26yrs this year and i have about Rm160k of savings (100k in FD) and some other FD's that my mum put under my name.

Initially i thought of using the money to do master abroad but i think i'm still able to invest here and there.

At the moment, i'm able to save around Rm2.5k to Rm3k monthly, i have no car repayment & i've not purchased a house.

Basically, i don't want to keep the money when there's plenty of ways to make money.

Some of the ways that i'm looking into at the moment are PB unit trusts, AS, stocks and new property development. I'm also on the look out for passive income.

Feel free to suggest if you have any good ways. Thanks!