In current world wide situation, keep in FD no doubt is better than losing them all. People may say you are stupid, but at the end, all those are your money not theirs. Last time I listen to people go invest low risk bond. 1 shot ate me RM70k. Can't self recover for 3 years. After that I withdraw the remaining. I should just dump them into my houses.

Premier account manager from an international bank good enough to listen or not? Luckily I made some in Hang Seng so that can reduce the loss. I never invest in anything after that except house and education.

This is true. But you need to invest your time and effort too. If TS willing to do it, retailing business is the best thing to do. Suscess or not will depends on his business skill though.