I did not say u will NOT lose your money.

I meant saving the money to fund his degree or something. The payback is way higher than Forex trading

Hello guys & Sifus here, I am currently in the midst of creating a portfolio for my future plan, and I realise that there isn't much people in my friends and family know about money especially when come to personal finance. So I would like to ask for some advise / opinion which might can help to improve or revise about my plan for future.

I am now 23 & single, stayed with parents and handling family business and my own businesses, got not much expenses for myself cause my businesses cover 80% of my expenses. Which generate approximately 10k as earned income for myself.

My plans is to inject money into this 4 category of allocation ( I use 150,000 for example)
1. Saving : 20,000 (I just need 10k for personal use & able to cover myself for 3mth)
2. FD : 25,000 (Short term 4month)
3. Dividend Stocks : 65,000 (7% annually)
4. Property Fund : 40k (to purchase new house for rental)

I am looking to create some cash flow portfolio instead of capital gain portfolio.

So here is my plan, but any way for me to make the money work harder?

This post has been edited by Alex.Jy: Dec 14 2015, 06:45 PM

Hi Alex,

Your plan looks solid, I'd suggest changing your FD to a shorter term ie. 1 month and split it into 4 separate FDs.
This should give u enough liquidity. Next, withdraw your RM20K savings and dump em into category 3 ie. Dividend stocks, or if u prefer, your property fund.

Sounds good in enhancement but was thinking of any way to expand another way to generate income as these allocation might be steady but way too conservative. Any other options for me to study more into new "production line" of money?

hi bos..u got any bluchip stocks for dividend yield..hehe

What ideas you currently have?


The bane of us all is time I would say. If you have extra time, try to maybe look for other business opportunities or reinvest into your businesses. But as this is more of an investment thread, stocks and shares will be your best bet for growth.

The usual big names are all there for your choosing, banks etc.
Have a look at REITs. Prices have been falling recently.

well looking at ur nick & blogs just wanna see what ur view on dividend stocks

with falling prices quite good time to accumulate defensive stocks like this

ur view..among big names wats ur top 3 picks boss

Sorry my friend I don't do stock picks.
Have to decide that one for yourself =)

I have a very optimistic plan. That is to put money into an eFD monthly for 4 years. From 5th year onwards, compounded funds to be placed in yearly tenure FD (higher interest), while still committing to a monthly 1 year tenure eFD.

At the end of the sixth year, I aim to be able to achieve >RM500,000 taking into an estimated consideration of a property being sold at net profit of RM150,000 around Year 4 or 5.

Year 1: RM3,000/month
Year 2: RM4,000/month
Year 3: RM4,000/month
Year 4: RM4,000/month
Year 5: RM5,000/month + RM150,000 (property net gain)
Year 6: RM5,000/month

This is the general idea, but obviously I do not want to place all eggs in one basket only relying on FD. Please give some ideas on how to split investments based on the above commitments. Thanks.

Purpose of this is to see what are my options for short term (non-retirement) saving + capital growth.

This post has been edited by kelvinftg: Dec 15 2015, 07:36 PM

You can just put 1 month eFD at min RM1k with Ambank Islamic. Once you have Rm10k, STOP monthly eFD and dump into promo rates FD. Differences of 1% is significant in the long run.

Just remember to uplift and place your eFD every month with interest credited + extra money that you have.

Monthly chasing of promo rates can be quite laborious and tiring. Then there is the minimum fresh funds requirement to qualify for promo rates, which is why my plan is to only stop eFD when these funds reach approx. RM200,000 by end of year 4 or RM100,000 by end of year 2?? If I don't chase these promo rates monthly, then I will end up having lost interest.. This is the dilemma..

This post has been edited by kelvinftg: Dec 15 2015, 08:12 PM

Who asked you to monthly chase FD promo rates? What I meant is place and uplift each eFD monthly. Upon placing eFD for the next month, make sure to put in the interest earned + any spare change for the month.

For promo FD, just pick the one with the highest rate and dump into it for 1 year. There's no monthly chasing promo FD.

Why do you need to wait until RM100k? Promo rates FD start at Rm10k. When I was active in FD back then, once the money reached Rm10k, automatically dump into 1 year promo FD rates.

This post has been edited by Ramjade: Dec 15 2015, 08:20 PM

Erm... RM10,000 means I can only do that roughly every 3 months. And that means I will end up having lost interest in those 3 months, that is what I meant. End of the year might end up having 4 or 5 certs.. A part of me feels that RM10,000 doesn't return enough for that sort of trouble.. That's why I want to look at other possible options.

Let's take 3 months Ambank islamic eFD which will give you 3.15%p.a + OCBC FD interest at 4.5% for 1 year with min RM10k which will give you RM450 after the first year. Compare that with monthly eFD for 15 months (3 + 12 months)

I am sure from here you can do the maths. I do not know the results but I feel the 3 months with Ambank islamic eFD will give you better returns compare to 15 months of eFD. The reason I am using Ambank islamic eFD is min RM1k for 1 month.

Please factor in inflation into your plan. Then you will see that your actual 'gains'.

True that Ambank eFD is great for the low 1k for 1 month requirement. Maybbe someone can do the maths? lol. I reckon the difference is not too much or I may be super wrong.

I don't really want to factor that in as as these funds is primarily to grow to RM500,000 in about 6 years. Just trying to see what other options there are apart from FD?

Ok as long as you understand that the same house that cost RM500K now will be worth way more in the future. Putting your funds into FD is not an investment in my humble opinion.