Hey guys. Let's say I have RM100k savings. Can I know what investment I can do with it with the following conditions:

1) Minimal monitoring, as I planned to keep my job that earns about RM3,000 a month.

2) No financing needed, as abovesaid with a salary of Rm3,000/month I won't be able to fork out additional expenses.

3) Low risk, the RM100,000 is my everything and losing them means I am no better than a beggar

4) good return, I don't expect a high substantial return with low risk but at least a decent return


I have considered the following:-

a) Low cost flat that cost <RM100k and rent it out by hiring an agent to manage it. I don't know how much rent I can get each month with such low cost flat

b) FD which is really minimal at <4% return. Last resort.

c) Unit Trust. Low risk high return? Again I don't know anything about shares and trusts.

d) Coin washer business. (as a partner)

e) swiftlet nest investment and hire agent (those rural properties cost <100k) but high risk of no return

f) investment in gold.

About me:-

i) 29 years old
ii) not getting married anytime. Foreverarone
iii) Have a car, have a place to stay.
iv) monthly expenses = RM2200
v) Not a bumi so ASB out of picture

Anyway I hope all the maestros here can share their insights with me as to what to do with RM100k for investment. Thank you.

RM100k only, better save it in FD.
Wait till u have another 100k then only invest in unit trust fund or share market.
Good luck.

rm3000, after deduction, rm2600-rm2200 = rm400.. why your monthly expenses sohai? option A maybe a good choice, but you not much savings la.. go find better pay first?

But I read somewhere in this forum they said FD should be the last resort due to return being too minimal.

what do you mean?

coin washer is good but location must be good

low risk and acceptable return
no permanent staff required, part time staff maybe (cleaning purpose) or may you clean it yourself also

Forget FD.
Look into amanah saham fixed price.
https://forum.lowyat.net/topic/4016823
It's like FD because you buy and sell at rm1/unit (how to lose money) even though it's making a loss. Instant liquidity.

Another one is UT via FSM. Just buy bond fund like RHB Islamic bond fund. No need see NAV, no need think about service charge. Bad thing is can only be withdrawn next year (if you want to save 1% exit fees)

FD rate now is not that high, put FD can get RM3xx per month.

Low cost apartment, I think it's possible to rent up to RM700. But a big possibility that you will not collect back you rental, due tenant too poor can't pay, so there is a risk.

If you only have minimal time to manage, I think gold is also not suitable for you, since it required market study.

Good luck.

Well this is just my 2 cents;

1. Find a good FD and try to place a portion of your money over there. You could use this site as a guide to gauge the current FD rates: https://ringgitplus.com/en/fixed-deposit/.

2. Try to place as much as you can into ASM/AS1M/ASW2020.

3. Learn more about investing in mutual funds/unit trust. You could read a thread here named "Fundsupermart".

found this almost similar "OLD" short thread,
with some of the posts looks relevant.
hope can provide some "useful" tips.

If i have RM100,000 to invest, ......
https://forum.lowyat.net/topic/1365518/all

or try some info from the links from here?
https://www.google.com/?gws_rd=ssl#q=what+t...with+RM+100+000



This post has been edited by T231H: Oct 5 2016, 08:39 AM

I thought all threads with "I have X amount of money, what should I do ?" type questions will be nuked by mods ?

Seen it so many times here.

Maybe this guy was being specific?

Salary RM3000

Keep RM36k in FD. This is your emergency fund, worth at least 12 months of your current salary. Do not touch them.

The rest, you can invest in Unit Trust, or buy blue chip stocks at Bursa Malaysia. Don't bother about those penny stocks although the return could be substantial.

Else it just fd for u.

The laundry business how? I mean the roi.
How much u nd to invest and the profit sharing ratio?

Coin laundry business is a big no, not to mention partnership?...

Most partnership in small business gonna gg somehow, not to mention coin laundry business...

You can try ASB, Amanah Saham Malaysia which allow non-bumi to invest, but the chance to invest is remote as you need good relationship with banker.

I was lucky enough to have 5k slot last year, the return about 6.3% declared on the year of 2016.

This post has been edited by Penang_J: Oct 6 2016, 04:29 PM

Laundry business is a nono. Seen a thief in action, stole $ from a open shop. CCTV doesn't help much. Nobody want to risk their lives to help you fight the thief. Same if you have a card system.

Wow ur salary only 3k nett at age 29 , how can you manage to save up to 100k along the way ?

go study more about finance & investment.
provide extra services to others you are good at. not every time positive, you have to bear with the losses and learn through.
be persistent. holding that much cash will not make you feel good.
sustainability of one strength to go further.

SCRAP everything you are currently thinking.

Money that you do not mange, is not your money.

a) is doable. Don't see why you need to hire an agent to manage.

You just need to go once a month to collect rent.

PS
Maybe you can still qualify for a housing loan. So your initial outlay isn't going to be that high.



This post has been edited by joe_mamak: Oct 7 2016, 06:16 PM

Bumi? Masuk asb sudah.

Invest on Public Mutual. Safe and good return. Pm me if you want to know more. I can intro u a good UT agent.

put 20% in FD (about 3%), 50% in Malaysian REITS (5-8% dividend) and 30% in Malaysian bluechips like Maybank, or Telco like maxis/digi. Portfolio like this is zero monitoring needed, just collect dividend, dun worry about downturns cos its a long term investment

Forget about Unit trusts

you also need to get your priorities straigh...u say low risk and 100k is your everything...then why the hell are you even thinking of ventures like swiftlet and coin washer biz? these are all extremly high risk ventures.

No need agent to be a landlord....even with full time job, a normal person can handle 2-3 rental props with no issues, use weekend to collect rent fix issues, if you have good tenants who bank in rental..even easier

This post has been edited by jwrx: Oct 8 2016, 09:44 AM

I would dump it into a FD first. Wait for a major correction. Start dumping your money into equities after that.

Now is the right time to go in equity due fall of shares price last year. UT giv better return (more than 10 percent per year in long term)

do ASB financing RM200K for all your 5 kids. Need 80K for first year installment, and next year let the dividing cover the montlhy payment.

Investment is risky
Never try it with 100k in one lump sum
You will need to learn to loss first as a newbie, and the more you learn to familiar with the market direction you will have better chance to winning from it.
This included house/unit trust/forex/equity market/gold/crude oil/virtual coin,
Put aside 90% of them in fd and 10% pour into the market as a lesson fee, once you get used to it then you can increase the stake to 20%, and if you can start getting positive return continuously from the market you can finally increase it to 100% stake, or you can even go far beyond to 200% stake by taking low cost loan.

Max bole leverage sampai 800k... mantap pulangan.