Oct 8 2016, 09:37 AM
QUOTE(red123 @ Oct 4 2016, 10:35 PM)
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.
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 investment1) 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.
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
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