Is anyone here do investment? care to share some experience or guideline?

what investment can be done by freshguates?

Investment suitable for ppl to do practical, training:
share, stock market.

Investment only for ppl who has capital:
house/land, etc

what else? is there bank loan for doing business? so far i only heard of education loan, house loan, car loan.

and how about unit trust? EPF?

well, i also not really familiar with those. and same like you, I like to know more

that why i join bank ~ next month going for training. maybe can answer your

question few weeks after.

I think the safest investment is Fixed Deposit, but at a very low return.

low risk low return (example fixed deposit, ~4% return per annum), medium risk medium return (amanah saham, ~8-10% return), high risk high return (stock market, >15% return, sometimes 2 days can earn this much)

i kind of interested with the stock exchange. anyone can brief me ?

from how to open account to invest ?

thanks you

- save ur money in bank = buried underground.

1 year 3.7% interest. if only u hav 100k in bank, the inflation > interest.

check how much the interest generate VS the extra money u pay after the price of the petrol increase.

remember 10k now is not 10k after 5 years. quoted in a book:

"bank is a place where dumb people put their money inside to let the wise people use them for investment and become richer."

what about property investment? any guides?

You need to go to a broker to open a CDS account. This CDS account is needed for you to trade shares and must be funded in order for you top trade shares.
Well, that's the 1st step, you can ask for more info when you open the CDS account. These days you can issue share purchase and sell instructions online.

Correct. It's called the Time Value of money. Present value is obviously more than future value. Just keep enough money in the bank to remain liquid (emergency funds), the rest: buy insurance, retirement funds (to be on the safe end) or shares, unit trusts (riskier).

Get enough money for house/land downpayment or purchase. Choose a good location/developer. Fire away and if you're investment is good, you'll get your returns. But it's definitely a medium to long term investment.

Property - Very good investment..high return
Unit trust - too liquid ..high risk also..
Bank - unless u save in Bank Rakyat..hehe ( good returns)

And if you want to invest in ASB or ASN, please dont loan the money to invest..instead using your own money.!



This post has been edited by TheAssociates: Sep 21 2005, 09:27 AM

no idea wat is ASB/ASN.

CITIGROUP S&P500 PRIN NTS 8/05) and ARCHSTONE-SMITH TR)??

somesaid EPF(retirement), insurans are not investment bcoz the money are freezed. they're more like traditional saving than investment.

This post has been edited by ky_khor: Sep 21 2005, 10:34 AM

well, i could no say it dumb. because investment = risk

you might get rich at the end OR get a lot of debts ? that the answer.

some people dun like to risk, so they put inside bank as FD.

it is not a effective ways, still is good to have some saving !


oh ~ thanks you.

any link for me to check CDS account opening ?

yeah, i was think like investment property. any guidence ?

u can find the procedure to open a CDS account at www.osk188.com, it will guide u step by step.

if u r a new to share investment, and need more information, u can also find out more at www.bursamalaysia.com, a site that contain lots of valuable information.

though i quite new in this area also, but if u got any question, can post here, i will try to help u.

Yah. Ppl who are trying to sell other investment products...

It all depends on risk appetite. Some people will also claim a trip to the casino as an "investment".

This post has been edited by johnnyxt: Sep 21 2005, 02:12 PM

oh ~ thanks you very very much ~

really appreciate your help !

i remember someone said he's going to teach us about playing share this weekend. actually i'm really looking forward his post.......

i just created a CDS account with Maybank last week.

oh ~ any requirement for the creating the CDS account ?

Some investment tips from SC...


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Hi,

1) The one year FD with the rate of 3.7% does not require 100K. I know because I have a FD with only 5K.

2) Do you know how to do your own calculation as to what is the actual return for insurance?? Are you certain that the return is more than 3.7% per year??

3) Buying and selling share: Have anyone look at how much commission you need to pay for buying and selling shares?? I believe that you need to buy around 20K to 30K RM worth of share and the share need to go up enough for a person to do not lose money.

4) I know I am dumb so I put my money in the bank's FD. I know I am not smart enough to deal with share. Plus, from my own calculation the FD return is better than insurance..

5) Unit trust -> Do you know what is annual maintenance fee for the unit trust?? It is fairly high and teh unit trust need to make enough to cover that expenses..

Dreamer