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.

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?