just wanna shared with u some knowledge about saving and investment
1. In the bank as a saving account or even fixed deposit.. in average returns you wil get around 3-4% (depend on the number of month) interest/profit - NO RISK
2. in ASB and enjoy deviden like 7-8% per year (A bonus 2.25% is meant for those whom save more than 10 years) - NO RISKS
3. in Tabung Haji yet get like 4-5% dividen - NO RISKS
4. in Bank Rakyat (15% dividen for the last 7 years) too bad it is not longer available. - NO RISK
5. in EPF (compulsory) and get dividen 4-5% per year - NO RISK
6. to your friends..let him do some business.. RISK? Yeap.
------1. You will lose the money due to no profit, thus
------2. Lost a friend
7. in share market and get profit in short term...but you have to daily monitor the share...RISK or you might to CONSIDER take some moderate risk by saving in unit trust and enjoy like 8-12% profit per year.


btw, doremon which mutual fund you had invested before?

unit trust is same as asb, asn n stuffs, its a mutual fund.