why u all want to put the money in FD? dont u think the value of the the interest isn't good enough? our inflation rate in malaysia is around 3%. with your FD highest interest FD rate is just around 4%. the real value of the money is decreasing due to inflation. why we find other investment product to hedge the inflation. if u read the Robert kiyosaki book, let money work for u.... with the 4% interest rate, do u think it valueable and enough to hedge the inflation?

before you invest,make sure you can save your money like coins,that is the hardest part,and the most important part!!do you believe i can buy a motor cycle by cash just only i save my coins??i save until full of a big long bottle.when i count is around 6000.omg...i save for 4years,everyday throw in all my coins that if have.that it,this is the started point.you want to invest,just invest your attitude!!

ya..... i also started throw my coin.....but now i think only got few hundred only

you please dont ever touch the coins you have put in,never!!

Outsider,

Be constructive. Offer an alternative and be prepared to debate the pros and cons of your investment idea on this thread. Then, we all can learn. I had read 8 of the Robert Kiyosaki's books. What idea will work in Malaysia??


Dreamer

you know a malay word that most famous and powerful words,"sikit sikit,lama lama jadi bukit."this word is true,i prove it already!in english ,it mean little little,after a time it will be a mountain!!

Then what do you think we can invest our money in to get higher return? Give some advice and suggestions.

edit: normally when they'll charge u on Unit Trust other than the 5-7% sales charge?

This post has been edited by ky_khor: Sep 26 2006, 02:49 PM

Ya, just like Dreamer said, apart from FD which offer low return rate, there is not much choice for general public to find an investment which offer low risk investment which gives you a positive return rate. Most people realise FD will not able and successful to hedge the inflation rate but if you don't want to take the risk of losing money then the only alternative is FD and some of the saving insurance scheme.

Other investments like mutual fund, stocks, futures, currency even pyramid scheme definitely offer much better return rate (if the market situation move up or according to your projected plan) but it also will led to negative return rate (lose money) if the market moves against your plan.

Theorectically, FD is not a good investment tool but a lot of people will sleep well every night if his/her money put into FD compared to others investment tools. The better scenario is diversification, a portion of money put into FD, some into stocks and other investment tools based on the risk ratio you able to handle.

There is no best way of investment, it depends on the economy situation and financial market. Also, it depends on individual preferences and risk handling capability. For eg. if you have family which depends on your source of income, you won't put your money 100% in stock and futures market but rather a large portion into FD like investment in order to protect and secure your family spending, right?

Talk is easy when it come to real money involved then a lot of consideration need to be taking into the account. If not the book writer don't need to publish the book already, since he/she might be already rich enough based on the theory writen. Having said that, the book(s) is good for references and guidances for investment purposes and it is up to individual how to implement and interpret it according to the individual needs. Again there is no such thing of the best investment tools or strategy.

We come here to share investment knowledge not flaming others.

i throw my coins n gif them away coz my wallet is "not compatible" with coins
baaad habit
i used to save when i was a kid.
the world is a bad place to love in

hi aichiban,i understand what you mean.You just need to start from now!when?Now!!only now you can change your life,only you change your attitude now i m sure you will be difference!believe me,what i have,everyone also have,dont give up yourself!!gampate~~

Different fund has different rate of service charges. Most of them are around 5-7%, but some of them are 1%, 1.5% or even 0%. Beside this initial service charges, there's also annual administration fee or annual trustee fee, which is around 1-1.5% p.a. All these charges are transparent to investors. Investors should be clear about all these charges before they invest in mutual fund.

Leekk8,

So, when you invest on unit trust, you lose 5% to 7% immediately due to service charge. Then, every year, you lose another 0% to 1.5% due to annual maintenance fee.

The FD is looking better everyday.

How about this idea?? Buy a good blue chip bank stock that pays dividend yield of 6%. You lose some money on commission to buy the stock but you gain dividend yield of 6%. You do NOT have to sell the stock to make money. If the stock goes up, fine. If not, you still collect dividend.

Risk: the bank may have a lot of bad loan if economy goes bad. So, pick a bank that is very well managed.

Dreamer

FD getting better = bad for stock market and bond right?

wat i know is Singapore/Japan's FD rate is so low bcoz they want ppl to float their money on the market. since it's not an option to invest in FD there, ppl's money spent more on the stock market.

malaysia's stock market is so dead u hope for dividend income more than appreciation i guess.

Ky_khor,

Latest book/study/research show that over the history of US stock market (50 to 100 years), high dividend and value stock give the best return. Growth stock usually do not do very well in the long run. So, this is NOT limited to Malaysia stock market.

Dreamer

P.S: The book is "The Future for Investor" by Jeremy J. Siegel

http://www.jeremysiegel.com/index.cfm/fuse.../page/books.cfm


This post has been edited by dreamer101: Sep 27 2006, 10:14 AM

Yes, if you invest in UT, you lose 5-7% immediately and need to loss maintenance fee every year...but if you choose the fund correctly, then the return is still higher than all these fees.
For sure, invest in stock market has better return. However, it's advisable we study about the company before we invest in it. If you're confident in banking, then you can study their annual report for past few years, evaluate their performance and consider their management quality. High dividend yield stock is always more safe than others. Anyway, I'm not sure how much is the minimum unit that we can buy in KLSE. If the minimum is 1000units, then not everybody afford to buy the blue chips, as usually their price is very high.

Malaysia stock market is half dead already, no foreign interest, low volume apart for a few speculation stock. It is going nowhere at the moment even for big blue like MISC, TM, Genting, volume sometimes only a few ten thousand shares changing hand for a session. KLSE's counters might have around 1300 in number but half of those didn't have any transaction at all almost everyday. Those kind of listing serves no purpose except for company owner to liquidify their holding and profit from it.
The only big player in the market are EPF and PNB.
Quality is more important than quantity.

Apart from some high dividen yield stock (7-8%), there is almost no attraction at all mainly due to sluggish growth of domestic economy. If not export industry is doing quite well at the moment, domestic economy might already been in recession.

Invest in forex..I gain a lot of profit from it..There are many broker online..Choose what u desire..If u have knowledge on technical analysis,why not try it..

its betta if u hav knowledge on both technical and fundamental anlaysis... bside, it depends on whether u go for short or long term. if u aim for short term, then time management does matter lotz... u can earn lotz in between the spread or what ppl so called "swing"...

You are essentially gambling and taking a lot of risk at the same time. Some people can do it and do it well and most cannot. The risk level is so high that it only takes one bad day to bankrupt you.

Dreamer