here is my thought and plan.

i am a final yr med student n yet still dont have any property in my hand. right now, my only choice to invest is ASB loan as it not require any work to maintain it. but right after my grad i will look for a house to start in this game. but i hear from somewhere they said ASB will affect our ccris. should i terminate it for capital or just continue paying it. bcoz my early target for ASB loan is to get a cash of 1Mil approx after 25 years. not in a liquid form (properties).

i know real estate will give more reward if we do it long term. i think fresh doctor dont have enough time to enter this game right after grad. at same time the house price keep rising. so what u all suggest?

sounds like robert kiyosaki style by entering crude oil inv. great suggestion there. but i still wanna enter real estate inv in the mean time (during works day) is that possible? still working out on how the way i should approach my financial management

oh i see. is there any oil investment thread here?. i just start to like this kind investment too. but anyone still open for suggestion   

how old are you?
did you factor in inflation, income tax, & investment risk?

-rm10k will b smaller value in time
-inv income is taxable rm10k is the highest brackey
-12% now could b negative income in bad time

i am open to explore any proper inv that is not scam not mlm.

but no joke in decision on retirement. i won't dare retire even IF i hit rm5m jackpot.

+-rm10m can consider as we can have rental income & cash buffer.