If you want to start biz...
100k could be enough to start own business and become a boss. But truly one thing if you want to start own business, you gotta work triple hard than a normal employee coz it's ur biz though. think about competitivenes, your marketing strategies and so on. many things need to take into account. some people throw 100k to start up their own biz eventually all burn out coz they just wanted to invest money to generate good return but negligence about biz planning. You could consult financial analyst to get what are the current biz great in demand. or look for reliable partner, your friends perhaps to join partner to reduce your cost. Any Biz coud be profit one depends on how you capitalize on your biz and utilise your resources. Like me, I have a friend from Bangladesh, he was just a college student but he is doing ~RM2000 extra income for himself just by renting condo unit. He rented from owner then rent it out again. He has 10 units on hand and each mark up RM200. I'm also doing that though. What you need to do just to find tenants. That's all. And currently i'm also looking some products from China to import. coz it's very low cost!

If you want to invest...
I have a friend investing in swiss cash, public mutual. Swiss Cash fund is an internet-based investment program promoted by Swiss Mutual Fund, a fund management company claimed to be registered overseas, and the investment opportunities in the fund is offered through the Internet and local agents. But people is skeptical coz Swiss Cash is not licensed or exempted from licensing by Bank Negara Malaysia to accept deposits nor is it licensed by the Securities Commission to carry out asset management activities or services in Malaysia. But it still survives more than 15 years in Malaysia. and people like me still investing in it to make profits. it just depends on you want to take the risk or not. everything related to money surely come with risk, this is for sure. your mind must think beyond that rather than just saving money to buy house or car...this evetually increase your burden. As you said you're going to marry, have you thought of life after marriage? you mentioned your partner is likely to be housewife, then certainly you will be carried heavier responsibilities.

I'm 24 years old and going to be 25...sooner or later to be like you too. I only have 10k to by the time i started all this. so who care? as long as you make it right and always stay wise for your planning then you'll be reaching your target. I believe you have gone thru so many Gurus and mentor given your expertise advise and make an arrangement for yourself which path you'll be choosing. One last thing, tell you the truth, rememeber what Mahathir said before? Bring Back Your Money to Malaysia, it does make sense coz Malaysia is a good place to do biz.

God luck to you~ and have a great wedding ahead! All the best to you~