Until you have 3 to 6 months worth of expenses saved in FD, you do NOT invest in anything else.  Those are your emergency fund.

Dreamer

i would say Unit trust. less monitoring, diversification of your investment, and the return is for sure higher than FD around 8-10%

I just answer your same question in another thread. Unit trust and mutual funds maybe different in foreign countries, but in Malaysia, they are same.

For mutual funds, there are a lot of funds as well. If stock is totally out of your mind, then consider which type of funds you're interested. For high risk, take equities funds. For moderate risk, take balanced funds. For low risk, take bond funds. If you're interested in Public mutual funds, I think pidah can explain to you here.

Very interesting threads, indeed .

If all of you would like to know more about Unit Trust investment from scratch or meant for rookies, I would strongly recommend this book for everyone.

Author: Jeffrey Gan.
ISBN: 983-2431-88-3
Title: Know Your Unit Trust Investment.
Price: RM27.90.

Description: It's about UT investment locally. My advice is, try not to get any foreign books regarding UT because some of the rules might not applicable locally. This book tells you from A-Z especially the basics. It covers some calculation and examples on which deeply helps you to understand further. Jargons and their explanations. Most important of all, the hidden charges you will incur per transaction. Your rights.

What I like about this book is, they gave lots of example for some theories.

Hope it will englighten all of you.

Trust me on this, after reading this book, you will know what question to ask the UT agent, the pro & cons and etc. 

Try not to dilly-dally when it comes to knowledge enhancement  . Grab this book and it's just 137 page, half the size of B5  , can be finished in a day.

A wise investor, is a person who knows what they are investing and not just park their money in on something they don't know and HOPE & PRAY for returns .

Sometimes you have to trust the agent, it would be better if the agent is your friends, well-experienced and care to educate you. Some of the crooks agents out there, they just want the commission and by the way the highest commission these agents will get is from selling you an equities. A good UT agent is an agent that sells you portfolio rather than units .

For me, the way I learn UT/MF is, put some money into it, then you will learn it very fast...

I just know a bit about UT when I invest in UT, but now I'm confident to say, I know quite a lot about UT. Now, I'm learning how to choose a right funds and how to predict the returns.

if u have the skill in invest in the stock market...then invest urself
if u are the busy employee & no time to monitor...unit trust is a best choice! to select a potential unit trust is no so complicated than stock selection...just follow the leader like public mutual, Prudential & ING

if i want to sell unit trust, how much i can earn the commission?
how to calculate the commission!
Maybe here can sell to a lot ppl who is interesting but don't know what to buy! hehe
a business a lowyat too...don't know they allow to advertise at here or not? or need to pay the advertisement fees?

Lol ... I'm  Public Mutual  agent too ... 
Anyone wanna invest in unit trust while the stocks are hot ?
PM me

Public Mutual fund sure bright future la all the funds got many awards
btw luqmanz you wat branch 1

My firm is offering 0.42%for internet trading,with certain terms and conditions attached.PM me if you wants to know more.  

If I am not mistaken you cannot promote your company product & service outside Trading forum.

May I noe wat is the yearly return for the good fund tat u think?

Cheap sale