Hi guys,

Hope I'm not posting in the wrong place. This is to get some financial advice right? Not too much info on 1st page ... sorry if I'm doing the wrong thing yeah. Little background of myself

Age: 30 this year
Work experience: 7years+
Annual income (according to EA form): about 100k

What I have:
A car - Paying RM900 monthly, will finish in 1.5 years time
Emergency fund - 20k in FD (not touching this)
Savings - 20k

Investment:
Not sure if I should call this investment but I've joined a plan by PB bank last year (dunno got kena con onot =.=)
It's called the PB Advantage plus. Basically need to pay about 6k every year for 10 years then after 25 years can get about 100k+ something like that ... So far pay 1 year only .. anyone investing in this? If is con I think better take out my money now

That's all. No house no gf no family yet I really dunno what to do with my money. How am I doing as a 30 years old? Quite bad ? I have read something about REIT stocks, not too risky and just eat dividend, any comment on this? I'm not a high risk taker and also worried about buying properties for investment purpose.

This post has been edited by GymBoi: Apr 21 2016, 05:00 PM

Hmm just can say I spend alot on home and my parents. This is due to lifestyle and also family commitment issues. I will work on that to reduce it. However now I'm looking on more advice on how to utilize my 20k in my savings.

I see. Yeah it's linked to AIA. All I know is the return is better than FD so I decided to go for it haha.