Well I would think what you should do to invest your RM100K depends a lot on your area of expertise.

If you are in the property industry you would be more fammiliar, have access to information or better deals to homes. I know people who buy houses at below market price, buy homes to invest at cheaper interest rates,*cough* "make full use of their bumi status" *cough* or have access to more premium land lots eg. in front of fields.

If you are working in the finance industry, you will be more fammiliar with trends than others & the people there are usually forced to keep up with times. These guys are in a better position than others to invest directly in the stock market or bonds. But please don't abuse insider information.

If you are the typical Joe you might be better off investing in FD or funds. If you are truely unfammiliar about investments FD may be the best for you. But cause FD doesn't really earn you much you have to focus more on your job which you are fammiliar with.

Well then if you are very good at running your own company. Investing more in your company may be a good idea. Otherwise simply use your money to "refinance" everything. I mean you could use your 100k to repay as many of your debts as possible. Since your debts may average around 8% repaying these debts is like making an investment of 8% to you. But obviously start with the highest interest charging ones first.

The last one is also applicable for everyone else. You can use your 100k to repay all your credit cards (it will be like 18% return investment), repaying your housing loans (7%) or whatever loan.




Well so basically in short invest on where you have a competitive edge on.