ASB is something like ASW2020?
if yup, i think u better put into it.... coz non-bumi simply cant put money in it now!!!

btw, last time i put rm1000(if not mistaken) and each year got dividend around rm70-110 @.@

what about real-estate investment? how deos it work??

wow...that's quite high!range between 7%to 11% annually!

is amanah saham national,bumiputra,malaysia,wawasan 2020,amanah saham watever all the same?i dont mean exactly the same do they fall into same categories?
if i am not mistaken they are like equity income funds in which the funds are invested in company which pay high dividend,that is,they distribute a large portion of the profits they earn to their shareholders,an equity income fund is usually considered to be conservative therefore may be appropriate for investor whose objective is to create a stream of income from their investment that they will be able to live on.(copy from a book)

thats the defination for equity income funds,but i am not sure whether these amanah saham thing is belong to this categories.

please correct me if i am wrong.

how to buy gold coin??the cheapest gold coin is how much??

buy gold coin for investment now ?

just wan to ask n try.

IMHO, d 1st step u shud do is learn to managing ur financial 1st b4 trying for investment in stock/ shares...

IMHO is what??I think to learn more about estate.Wan to collect some money then start farming.

i went to maybank and asked them about maybank2u. Guess wat, the staff there dunno anything about maybank2u. they dunno wat maybank2u offers, dunno wat features maybank2u has.

and maybank2u's online faq or help = 0

anyway, m2u added lotsa new features this year, and it's my fav e-banking partner (out of pbb, hlb, and maybank)

I wonder what the "H" in IMHO stand for too.

for fella investor, just wanna refresh what dreame101 has said before.

Before you even think about investment,please make sure that

-you are debt free, no credit card debt,no car loan,no personal loan,no bank loan,no study loan,etc(Housing loan is an exception)

-make sure you got your bucket 1 and 2 money ready.a person got 3 buckets of money.the 1st bucket is the money for everyday use in order to keep your well being like food,bills,rent etc. save the bucket 1 money enough for you to survive 6 to 1 year without working. example,your current salary is 3k,save atleast 3k x 6 months =18k for your bucket 1.

-bucket 2 money is the money for your long term goal that you may not want to put at risk.such as downpayment for you car and housing loan,your wedding expenses,saving your business capital in 3 years later,etc,which you want to put in a very little risk savings vehicle like FD.

when you are virtually debt free,and have your money filled in your bucket 1 and 2,than only you can start to think about investment using you bucket 3 money, which are any access money other that you can put risk into it, and you dont need the money for a long period,say for 5 years time.

why this is very important? remember no such investment is risk free! supposed you invest your bucket 1 and 2 money to invest and your investment goes bust,what are you going to pay for your everyday expenses and future goal?BUT NEVER EVER TAKE LOAN FOR YOUR INVESTMENT! this is very important if you want to sleep at night without worrying your investment.

thats the very 1st step before you even think about investment.it may sound easy,but 85% people cant make it.

that's not practical for malaysian. no one will be doing investment if that is one of the requirement

well,think about it again.
if you cant even save the basic,dont even think about investment. this is why people committ suicide when their investment failed.

they invest all their hard earned money and when it goes bust, they owe the loan shark, they owe the bank, the wife run away with kids, he got no money, house tarik by the bank, no car,jobless, lost faith in life, better go die.

sad,but true.

you can start savings step by step, some advice are,

-dont apply credit card.
-make savings a habitt,you can start to save your 10% to 20% of your monthly income.bank in the 20%money to different account than the one you always cucuk at ATM's.
-have your salary straight away bank into your account. dont take cash in your wallet,or you will be tempted to use it.
-save any extra money you have rather than spend.for example you got 200 salary from 1k increment, now you know that you can survive with 1k,so save the 200.
-sacrifice a habitt, if you used to buy shirt every month, try to buy once in 3 month.

there are still a lot of ways to save money,live a frugal life.but dont over do it.treat your self once in a while.

i save 6 month salary with just working 7 month,but it's not fair compare to you all.my food and accomodation is free. i dont smoke dont drink no car no girlfriend no entertainment.try to live my style.hehehe

This post has been edited by ah_suknat: Aug 17 2006, 11:39 AM

Ky_khor,

Go and check out the salary thread. There are people that earn 2K per month and save 1K per month.

Dreamer

i understand that. but for most of the ppl even if u save 50%, u still can't buy car/house without loan. and starting the investment only when u cleared the debt would be too late.

the rule of investment(in fact,not only investment,but the rule of life) is,
better be late than sorry,biar lambat asalkan selamat.

dont risk your money if you cant afford to lose it. investment is not a must to achieve your goal,but saving is.

as i mention before,ask your self this question,can you afford to take RISK?

but this doesnt mean that poor people canot invest,you have to run out off your own rat race 1st.you are not working for money,money work for you.

the price of gold is very high in the market...has been raising up twice as much as the previous two years...not really advisable to buy gold now.

This post has been edited by kubrick16: Aug 17 2006, 12:16 PM

what kind of investment u recommend for begineer?

i recommend you save money 1st.

have to save until how much??Need a target then i will know how much to save a month.

In my opinion a person should start thinking , evaluating and educating one self about the various investment or trading vehicle available. It better to start early even when you don't have the capital to start. They can try paper trading, and if they are profitable they can sell their services, as a Fund manager perhaps. Not getting involve or thinking, just because you have no money is not a valid reason for learning more about investments and trading. Finally if you can't make a cent in paper trading never trade live, you won't survive.