Introduction (jump to my 2nd post if you boring reading these)
Ok, now you start working, earn some money, and trying to make some good use of your hard-earned "blood sweat" money. So what would you do? But yourself some good gudget from lowyat of course

and then you are thinking about investment.
First of all, your saving account, is not considered as investment, its interest is so tiny and it is solely for you to ATM your money and pay to lowyat model shop or hardware store.
Many people invest in Fixed Deposite, good and steady, you put in as monthly basis you will get 3.1% per annual. Sounds great, so if you put like 100k in FD you will get 3100+ more per annual. Really great rite? But the truth is, for example, our inflation rate for March 2006, is estimated as 4.8%(feel like 16% if your charkueyteoh increase price 50cents), ie you paying 4.8% more to buy stuff, or your money lose value for 4.8%, that means you are still losing money if you put money in bank.
So, people are thinking about other better solution thou. Stock Market! You might say, thou i am not too familiar with stock market, but i do know there is a risk to bear with much higher potential return. You can make 20 times more then FD or lose 90% of your money in one week. Plus, you have to study which stock you want to buy, track them yourself, etc. And you need to buy a few kinds of stock to diversify your risk, say one of your stock lose money, the rest might earn money and still can let you earn net profit.
Buying property like house or land require money, so not suitable for fresh starter to 1+ years working people, unless of course, you say your father or grandpa is rich and willing to buy you a house or land. Property is a good way(if not best) of investment thou, which usually its value will appreciate after years, usually many times much higher then FD, EPF even if deduct the loan(assuming you taking loan to buy property) interest.
(note: buying cars is not buying property, it is just pure expenses, or pure debt, you need to pay for fuel, maintanence, and your car value depreciate like hell especially if you buy certain brand)
So, tata! HeRe comes the Unit Trust! 2b continued...
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