Your level nothing to worry ma. Ure same level as Kengyan rite? NAV RM20-30mil. Just dump RM100K of your pocket money in RHB PEO Fund 1. 

Just say which is better la

Let me add on:
Knowing is not enuf, we must Apply
Willing is not enuf, we must Do 

Hi mr Wong , I dont understand your excel sheet. Do you mean we should put our savings in mortgage loan for best return?

Currently I am able to save rm1k per month and I'm putting in fd. My target is to clear my house loan in 10 yrs with the extra savings. Do you have any advice where I should park the money? I am looking for stable return instead of high risk high gain as my purpose is for loan clearance. I'm not sure if my loan is flexi or standard as it did not state in the loan agreement. I think is standard. But according to your excel it doesn't matter?

Ok thanks. I'm not investor. The most I have is UT and some gold account. Any low risk investment to recommend?

No the gold I have is very little only. I invest few yes back and have cash out some remaining the min balance. It is not very good investment I know. Also is in uob so spread not that wide.

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

mass products are being pitched by experienced salesperson to convince the consumer the risk is merely not exist at all which actually does exist all the time on the consumers themselves.

Better return against what?
Dependings on what UTs you bought, when you bought it......the returns "may" be higher/lesser.
There are many other "investment" that can gives better..can you stomach it?

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.

  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

Yeah, that's the problem i am facing now haha!
I agree, i fully understand risk and all, i do my research on the diff risk associated with the investment.
just, the problem for me is that at a fancy restaurant, I choose better food > saving.
then i dun have much to save and invest.   

No short cut, u have to do some homework on your own.

My path:
FD > mutual funds/unit trusts > stocks/shares

might as well go to online gambling

Bro,... how to get 5% increment CONSISTENTLY YEAR AFTER YEAR FOR SO MANY YEARS ??

OK,... tq bro,... hmm,... what I keep hearing nowadays is hard to find jobs, hard to land good jobs,...... everything just gives me the idea of thinking that being able to get a consistent 5% increment job out there is next to impossible,....

Old news updated...

94,400 Declared Bankrupt Since 2013

MORE than 90,000 Malaysians have been declared bankrupt since 2013, with almost 97% of them failing to repay instalments to financial institutions.

From 2013 till August this year, the Malay­sia Department of Insolvency recorded a total of 94,408 people who were declared bankrupt.

“About 91,180 were declared bankrupt as they failed to repay instalments for financial products, including vehicle hire purchase loans, personal financing, housing loans, business loans, credit cards, social guarantors and corporate guarantors.

“People failing to repay hire purchase loans ranked the highest at 27.57% or 25,137 people,” said Minister in the Prime Minister’s Department Datuk Seri Azalina Othman Said in a written reply to Datuk Che Mohamad Zulkifly Jusoh (BN-Setiu).

Che Mohamad had asked for the statistics on Malaysians being declared bankrupt.

Azalina said the lowest category of people being declared bankrupt were those who stood as corporate guarantors, which is 3.24% or 2,954 people.

https://www.thestar.com.my/news/nation/2017...upt-since-2013/

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Old story... take this loan, take more loans, looking for ways and contacts to get more loans... ends up not able to pay the monthly installments.

Question: Why take the loans?

Answer: Must take lah.... otherwise how to survive!