What about unit trust? Will it give better return? I mean my investment is for 10 years so should something better than fd right?

.......
Second - Research how Unit Trust manager earn money then this will answer your question of return rate.

  LOL-ed at the last sentence
You would be surprised my other half is the one not saving enough and shopping too much

It really depends la, and upbringing is very very important

There is no free lunch... meaning to 'make your money work harder' = getting higher returns on your money => taking higher risk => putting money into riskier financial tools such as unit trusts.

You can't expect much from fixed deposit. Rates in FD are dependent on the country's currency which is linked to its inflation and its political/economy environment.

Take a look into this list of rates from across the world... http://www.deposits.org/world-deposit-rates.html  (Check the fd rate for Singapore... )

People opens accounts in Singapore for various reasons, it does not mean they are "well planned". Some put there as emergency funds and safety reasons - not for gains, as in the recent news of Indonesia exhorting its high networth citizens to repatriate their money back to Indonesia.

Financial management has no one size fits all formula. There is no formula such as putting x% in gold, y% in foreign accounts that will fit everyone. Having 500k is different from having 50 million.

Thanks for the information. Am a newbie and am trying to diversify investments. What are your views about foreign currency bonds ?

Is there any investment have more than 4% profit? Otherwise just put fd hehe

lots of people i meet says:
want to get wealthy / fit
BUT
don't want to risk (learning, facing & managing risk) / excercise
AND
keeps on spending on doodads / eating & drinking unhealthily

There is. EPF and amanah saham fixed price. EPF cannot touch the money. Amanah saham need to camp at bank, try luck. Sometimes empty handed. So the choice is yours.
Epic sentence.

I have put about 20 k in amanah saham gemilang. Is it good investment for 10 years compare fd?

Amanah saham gemilang can get worse result than FD. I am not talking about that. Therr are better options available on FSM which can outperform ASG. You want >4% right? Only the following amanah saham sure will give you >4% without fail every year: ASM, ASW2020, AS1M

I am not bumi. I see the asg so far every year about 6% return. Not bad right?

Is there any investment have more than 4% profit? Otherwise just put fd hehe

ASG is a pure UT. Dividend does not matter in UT. Like I said there are better option than ASG at FSM. Now, if you are talking about the fixed price fund, dividend is important.
You don't need to be a bumi to buy the 3 fund I mention ASW2020, ASM, AS1M. I can assure you that those 3 funds give better returns than any FD. I am not a bumi too.

Got. FX United and JJ. 

Got. FX United and JJ. 

Is it can buy anytime or need wait opening?

ASG is a pure UT. Dividend does not matter in UT. Like I said there are better option than ASG at FSM. Now, if you are talking about the fixed price fund, dividend is important.
You don't need to be a bumi to buy the 3 fund I mention ASW2020, ASM, AS1M. I can assure you that those 3 funds give better returns than any FD. I am not a bumi too.

How to go about investing in those 3 funds? Also, what is ASG and FSM and fixed price funds ?

Read tis link for ASx
https://forum.lowyat.net/index.php?showtopi...&#entry81128288

HEY!

WHY SO QUIET!

Just a question

What motivates u to save and not spend your money?