Then do you have any suggestion ??? invest in share market ?? which share market you propose ?? unit trust ?? so many which one ?? can help me??
OR would you like to suggest become ah loong and lent money and set a higher interest ???

If you would like to use the word depressing, let's say you dont have any money at all, this is call depressing !!!

My interest is pay out during January, during economy crisis, we all dun have bonus and increment. But for that particular year, I still can spend and some more maintain the Ang pow money for my dear parents !!!!

so, what is so depressing about ??

Mind I share with you what I have gone thru, share is good, the return is good. but of course, the risk is there. I gain some share before, buy then after few days, I sold it and I got more than Rm300++, it is better than FD for sure. However, if the share drops, you will lost a lot depending on how many lots you purchase.

Before you buy that share, you need to know the company back groud, their financial back ground and who is managing it. Who are the ppl involved.

Share you need to monitor from time to time, if the price is good, and IF you are not greedy, you will get some extra money sort of like bonus or angpow when you sell it.

If you have the free time and extra money, you can consider it. Ppl like me, well, I kena burnt but thank god it is not much.
I learnt my lesson.

So, I end up in FD.

The highest should be RHB Islamic Bank. The 1 year rate is 3.40% and you can request for upfront payment. Meaning you lock your deposit for 1 year and you can get the interest immediately on the day you make the placement. The other bank that offers such deposit is HSBC Amanah but the rate and T&C are not as good. This is basically like a regular fixed deposit account that is Shariah compliant.

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No worries. It is insured by PIDM too, just like all your money at non-Islamic banks.

For 12-month tenure ? Yeah. I guess it is.

RM5,000 only. T&C ? More or less like regular FD.

There are plenty of shares that can yield >4~5%, but in shares, your capital is not protected, can result in loss if market condition unfavourable.

Should or should not, no one can answer this. As it is about willingness of taking such a risk.