Invest RM 400k for 3 years and get RM 100k as return, I think it might be not a lot for some but for me, it's consider good and not bad. The most important thing for me is how liquid is the property can be sell upon VP or completed later? If easily can flip for RM 100k profit within 3 years, thats decent enough.

If put in RM 400k and probably got RM 300-400k return on paper, however if only got market value but without buyer and zero viewing, that investment also become useless and strictly non liquid asset. There are also cost going to be incurred upon holding every month.

Maybe, but btw property and stock, I feel property is less risk but longer game. I didnt do well on my stock investment, but not bought too many either. Some of my friends bought a lot but never see they earned big money.

It's a decent choice anyway, better than FD. Stock is for aggressive player, I am not, LOL

I don't trust FD but just place a bit for immediate or emergency plan. If got RM 400k I wont put all into Amanah Saham, bcz the sum locked out all my capital purposes. I used to have props sold for more than 50-100% return in 3-5 years, although I believe it is not easy now, it still good in long term.