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

from how to open account to invest ?

thanks you

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 ?

oh ~ thanks you very very much ~

really appreciate your help !

oh ~ any requirement for the creating the CDS account ?

oh ~ mind to tell the largest unit trust company name ?


I know ther alot unit trust company but now sure which is largest?

yes, True ~

Invesment to higher risk than you opening a shop.

If you opening a shop, chances to earn more better than invesment. Only

to start a business need a sum of budget(depend which business you in).

yeah, true.

If low risk with easy rich. this world money have no value.

Sometimes I will thinks FD good because more secure. sometime think Share good because high return.

DECISION = THE WAY YOU CHOOSE YOUR FUTURE PATH.

hard to say ~ depend how much your amount of investment and how much you

want it back ~ if you want to feel more secure then try FD ~

else there alot of stuff to invest but with risk ~

I heard unit trust is 1 of the losing money investment ~ not really sure about it.

yeah ~ that what I been told ~ those analyst of unit trust say more than 70% chances of profit if you put for at least 3 years of maturity date. most of the customer losing money because they took the money before 3 years.

FD - more secure.

there alot more

bond, ASB and etc.

ASB much better. I haven't get my UT training ~ so I also not sure what is it.

as I know,

unit trust is a fund of investment.

investment there not 100% got profit, so there might loss also.

unit trust usually long term investment compare like stock are short term.

there got many type of unit trust,

some is income type, some are growth type.


BTW, I thought inflation rate was only 3.6% this year ? thanks for the info !

well, I can say is

it depend how the fund manager put his/her strategy.

for example, if is a income fund which invest in fixed income / bond

then it will gain matter of time. but the return maybe a little bit higher than Fixed
deposit only. (it also subject to change depend the fund manager strategy).


else, like equity fund which invest to stock exchange. It maybe going up and down

form time to time. which different from you play in stock is.

- your investment been manage which stock you manage your self
- long term compare stock
- fluctuation rate are lower than stock

any investment are very aggresive at M'sia ?

UT ? public seem good wor got any else ?

ooo ~ may i ask some question ? wat does the business development exec does?

they provide the event cooridination, product brief, ?

and also the Financial planner at Bangsar? buat apa 1 ? ahahahha

thank you!

i see, I heard publict mutual at bangsar there have the financial planner
advice the customer 1? what actually does they do? sales?