1 question. What do you guys think about those investment + insurance plans. Like AIA takaful A-LifeLink-i where you get insured (sum covered) and also investments/savings. Or should I just take a medical card and put my money in other investment vehicles?

If I have some foreign paper currency like EURO now, should I change them into MYR and invest them, or it's better to just leave them in EURO to hedge since MYR is still going down? Thanks!

It's something like 500 EURO, which turns out to be RM2000. Is it worth just keeping it 'under pillow' and not growing it?

Hello all, I have a few questions.

How do you know if a particular property is good to invest in? Why nowadays people always say property is a good investment? If going by rental yield, say a apartment 215k and rent 1300, expense ~500, the yield is (1300-500)*12/215k = 4.4% only. (Do I need to calculate the total mortgage (principal + interest) too or just purchase price?)

Some bluechips stock give better dividend than this. If stay invested in klci for 37 years (1978-2015) will give 8% cagr not including dividend. Is the property gain better than this 8% in 35 years of mortgage? How exactly should we calculate the total return from property? Is it because property can be leveraged?

So is property worth to invest in? If so, what's the minimum yield I should aim for. Or maybe I should use the money for stocks instead? I am currently torned on which path to go. Thanks!

This post has been edited by Cubed1437: Jan 30 2015, 12:47 PM

So technically it is still a lower return, but the advantage is leverage? Right?