Erm... I put a small sum of my money in FD (as an emergency fund)... Then I put some of them in Mutual Fund ... And I'm setting aside a small sum of money to invest in foreign exchange (I'm still trying to learn more about technical analysis ...

By the way doremon... Money and risk are related... If you wish to double your money but not involving any risk, IMHO, this is hard or near impossible...

Erm, my idea about diversify is.... diversify doesn't reduce ur risk... If u diversify too much, you'll hv less time for each of ur investment and most likely, you'll make more mistakes...

Let's say you focus on 2 share ... you'll get 50%/50% of ur attention there...

But if you focus on 5 share, your attention is changed to 25% each share..

You increase ur odd of losing in a share by buying more share... with 2 share and 5 share, you'll most likely have more chance to lose more money in the 5 shares...

Rather than trying to diversify, why not focus on 2 or 3 good ones instead of going for 5 or 6 normal ones?

*I'm not an expert in share market, this is just some of the points I read from investmen books

I hv always wanted to know... How does a portfolio actually looked like?

erm, what I meant was... I kept seeing ppl mentioning investment portfolio and etc...

Anyways, for the term portfolio, I always hv the idea that it is something you can show to ppl... Something like a hard copy...

So the portfolio in investment, I meant how does it look like? Is it a file consisting of my previous achievement in investment? or is it just a term used to classified all the investment I have?

AH !! I finally started to see ligh at the end of the tunnel...

Thank you to both of you for explaining it to me...

Currently, I just put most of my money in Mutual Funds and a small sum in FD...

Is there any other investment which I can consider? Like unit trust? or is it unit trust is the same with mutual funds?

Most of them is RM1000 and above if what I know

vince... care to explain what's the difference of unit trust and mutual fund?

If you don't mind, perhaps you can share your experience?

I put most of my money in mutual funds and a small sum in FD...

Besides these 2 investments, what else do you recommend?

I'm looking for somethign that is middle/long term and doesn't require too much attention...

Oh... I got my mutual fund at Public Bank since I frequent this bank often and they have quite a good reputation in mutual fund management...

How do I monitor my unit trust in your opinion?

Aside from that, do you have other form of investment to be considered?

I'm just an undergraduate now therefore my capital is not that big..haha..

Oh, this is the two that I bought

http://www.publicmutual.com.my/page.aspx?name=PBBF

http://www.publicmutual.com.my/page.aspx?name=PIBFinfo

Putting my money in these investment is a good way to stop myself from spending... hahaha....

erm.... I am far away from home now.... So I can't tell whether has the bank sent it to me anot.. I will ask my sis to check my mailbox at home
Thanks for the help

*PS, I just bought it last month ... Can't tell the exaxt date though, will PM you the details next time when I got them..

Thanks again

Oh..... Erm..... It's a good thing I choosed to buy at PB ... Cuz I heard that their reputation are quite good

Erm, I thought mutual fund are longer termed investments?

Unlike share where you buy and sell by day trading or within a short period of time, mutual fund provide a longer investment right? like for 2 or 3 years or so...

Anyways, about stocks... My dad and another forummer here advised me not to touch share or stocks in Malaysia as.... it is totally unpredictable and the risk is too huge ....

This post has been edited by Geminist: Oct 8 2005, 11:22 PM

yeap... Not all of us are born as investors ... So I guess I should leave it to the expert.. thanks for ur opinions and description though

- All we want is to be in business that we understand, run by people who we like, and priced attractively relative to their future prospects. - Quote from Warren Buffett, 1994

This is a quote that justify what spanker has said

Ok ... Erm, wut's blue chip stocks?

Another 2 questions, what's future and options trading?

*Will google it later but hope can get some info here

http://en.wikipedia.org/wiki/Blue_Chip

Thanks

Hi ... I am thinking of applying for this service

http://www.hsbc.co.uk/1/2/personal/savings...gs/deposit-bond

Will drop down to the brach to ask about it, in the mean time, hopefully I can hear other opinions as well... (risk, return, worthy or not and etc...)

Thanks

Erm, I don't think it's available in Malaysia...

The type of risks involved is not really stated there, so I'll pop by the main branch in town next week to ask about the details

Hahahaha.... While I'm thinking of what to do with my money... I'll put them in FD .... IMHO, FD doesn't have that much interest rate but at least the risk is very very low and you can just stash in there while hunting for a good oppurtunity....

Hmm, then about stock...

Where do you actually go and look for stock??

I meant ppl kept on talking about looking at the stock/company's profile and etc... How do I start looking for a stock? IMHO, there are soooo many companies listed ....

*I'm not trying to invest in any now, just wanted to know how to start .... LIke where to look for info and how to evaluate the stock and etc

Erm, yes, frankly speaking.... Most veteran investors don't really look too much on Malaysia's share market....

The reason behind it's because alot of listed companies are run by not so honest business people ...

That is one of the reason why I changed my mind about increasing my investment in mutual fund