Hey gurus! I am a newbie in investment and I have heard a lot of people around me saying that UT is more dangerous as compared to FD and the return is lesser than FD. i know its very subjective when it talks about the return (pros know how to earn more as copared to noobs) but do you guys think a zero-to-investment guy like me should venture into UT rather than FD? fyi, i am a busy student with a saving of around rm40k

But i am not gonna use that money