I do investment for bank, specifically in stock market(malaysia market). As I see the FD rate is so so low, why still so many people putting so much money in FD? Why not invest in some of others instruments that gives higher return(higher risk of course)? Please don't get wrong that I'm not saying take out all FD and invest in other place, but why not move some of the money and park in other place? Sorry for the question if you think it's dumb.

For my point of view Unit Trust is one kind of low risk and high return investment, i would say as liquid as FD because only a week to withdraw~ but a lot people think that unit trust can't generate a lot profit personally i think the main reason is the which agent you get advice from. Not to say all, some of the agents they just want to close the deal do the business, cincai cincai introduce any fund to aunty uncle, invest in lumpsum. If you dig into more details in unit trust, you will find that quite a numbers of fund giving more than 40% over 3 years or more than 10% in one year. If you clever enough to do switching, i believe even more return.

The other tools may be saving account like Hong Leong Income building, deposit RM25k per year for 6 years, will get RM6.5k every year for 30 years. and the risk to me is near 0~ It just a lot of people don't know there is actually such a good investment tools.

correct me if im wrong~

Bro I'm not investment planner la I'm equity trader for bank, not good in calculating the yield but the effective yield thing I think you can just google it : )

Yes, protected by PIDM, like usual, RM250k. The only risk is that if you have more than 250k in Hong Leong, and IF Hong Leong fall in insolvent and force to liquidate, then you will only get back RM250k. The risk here is will Hong Leong bankrupt? As the others, the interest RM6500 is guaranteed, and this investment tool include some of the insurance element which if you passed away, bank will not required you to pay the balance.

Hope can answer you question bro.

Do you mind to tell me how much you will get if deposit 150k in FD for 30 years?

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Added on November 21, 2012, 11:11 amCalm down man, it just my point of view : )

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Added on November 21, 2012, 11:13 amYa some of the fund is not performing, may be you should dig into who is the fund manager of that fund. I do know some of the fund that give 40++% return in 3 years. Well investment not sure win ma, if you want to be 100% safe, FD lo~

This post has been edited by im.thetrader: Nov 21 2012, 11:13 AM

Ya this is the way agents do their sales lo. like my mom, stick with a responsible agent, earn some money in unit trust. its not about the company, its about the agent~

The quotation is not with me now, if i remembered correctly 30years in that income builder surrender value 950k+++. kind of confuse why forumers here saying its way below FD rate

After i did the calculation, the rate is only ~0.04567 =.='' FD can be higher?

i think the good side of this plan is force ourself to save money monthly ( if i take RM500 go into bank probably they won't accept this FD rite?)
this saving plan not suit for risk taker lo~