So here is my question to all the 'sifus' and gurus. What or rather How should I invest RM100k which has been accumulated over the years?

Some info:
1. RM100k in bank, normal savings account.
2. Monthly income expected to be around RM2.5K a month.
3. Monthly expenditure is expectd to be RM2.3k to 2.4k.
4. Expected savings from monthly expenditure will be low.
5. Only SPM qualification so far.
6. Planning to start family soon as well. 1 year.

How can I make this RM100k make me more money than I can earn so that can save more?

Options being considered:
1. Fixed deposit long and short term.
2. Real estate investment.
3. Unit trust.
4. Stock market speculation.
5. Start business as my own boss.
6. Invest in business as a partner.
7. Invest in education and get better job.

What do you ladies and gentleman think?

the 'crash' may be a 8-10 year cycle, too long for a 'wait' .  I would say wait for a correction on the stock price b4 invest. 

U ll never know.    Even if it would crash this year, the down trends would take at least 1/2 year.  Then the market would go side way or further down trend for a 1-2 years before slowly climbing up at a turtle pace.  The whole process may take another 5-8 years.  Most ppl already give up by then, so its not practical to hold it for so long.

The real-estate investment idea, I got it from this forum, but I have no idea whatsoever about it. Never owned my own house before, so it is in the pipeline to get a house for my family. Is it a good idea? Or should I just continue renting?

Billy, if you can amass Rm100k with an SPM qualification, you must be a hard worker.

With such quality, I recommend you to find a sales job. Rm2.5k is peanuts for excellent salesperson. This is what you want to consider selling. Be a sales agent :-

1) Stock market is doing good - Consider joining Public Mutual as unit trust agent, they dont pay you salary but commission is 2.8% - 3.1%. My senior makes  RM5k like this. He's excellent. Your target are people with EPF. Those people invest a lot. If you can get RM200,000 from EPF (this is normal), how much is the commission.

2) Ever heard of Marcus Evans ? This company sells ticket that costs a bomb. Their target are usually big companies. Commission is good and salary is minimal. IINM around Rm1.5k+ for salary and 30% commission. Tickets are like RM500 each. LOL

3) Be a computer salesperson for Dell or IBM.

Sorry bout that. I meant that if you bought a home, you wouldn't need to pay for rent so you'd save on 4800rm. To get 4800rm a year, and thus not need to pay for rent through your salary, you'd need (according to colorola's 4% FD) 120,000 in the bank. Furthermore, the dividend you'll get will be taxed, so that means that the chap who's renting the house to you is actually making a nice profit off you. You might want to shop about for a home yourself, but you'd have to consider the mortgage if it's applicable and all that nonsense. Try going to this other post by jasondotcom over here to which dreamer has also contributed.

I apologise if what I write doesn't make much sense but I'm lacking sleep, sorry.

i'm considering dis too. 35% commision is very attractive. but never know wether i'm gud in selling becoz never do. haiya wat to do. no harm to try but is it worth my time to try 

There are 100,000 insurance agents in Malaysia. Most will drop out after a while.  You need to be really good at sales to make a living from insurance.

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Added on February 14, 2007, 8:51 pm

To save cost ... why not just register your marriage and organise a small dinner party where only the immediate families and closest friends are invited? That's what one of my friends did. But of course, your partner and relatives might not be too happy, since the concept of face is very important in Asia.

Money isn't everything. It's a means to an end but it should never control your life.

Thanks for your advice dreamer101 and also empyreal regarding house buying. I've done some thinking as well about buying a house, it will be a hard decision but most likely will involve some kind of beneficial loans from banks which I have family working in. Still too early for that at the moment but your advice will be in my head of course. I won't increase my monthly expenditure too much just to pay for a house compared to renting a house. I'm wondering though, is it possible to pay the entire amount for the house? Is it worth it? Because if I can find a medium cost house, I might share it with a family member to pay for the entire house in full so no loans will be applied. Just wondering if it is a wise thing to do.

Thanks dreamer101 for your replies.

1) So being auditied is a bad thing, am I right? Never paid any land taxes before, not sure if house is considered as well.

2) Medium cost to me would be around RM80k - RM130K. I might be willing to go up to RM150k if it is really worth it and I can source other funds from my family. But I'm trying to find something within the RM120k and below range.

3) I've thought about this and I am keeping an eye around my neighbourhood and nearby housing estate as it is where I would like to live in. Problem about desperate seller is, I'm afraid I might inherit the problems by the previous owner, like debt collectors, bad luck or even supernatural forces. I guess it come with the package.

1) Ahh no problem then, already proven since I worked outside the country and I'm taxed there, so I won't get taxed again in Malaysia. I've checked this once and I'm sure it still holds true, but I will check again when the time comes.

2) Regarding house renovation and such, I've only factored in about RM10K or so for some simple renovations, since most of my furniture from my rented house will be going to the new house. Of course for older homes, I would need to fork out more for renovations and paint. As this won't be my 2nd home, most of my furniture from my rented home will be reused and it should be sufficient for another 5 years or so. 

3) Yeah very true I suppose, no reason to go in blindly and inherit every problem that made the seller desperate in the first place.

Thanks for your feedback and suggestions dreamer101, I really appreciated it. I'm still driving a small car so it's no problem. Will probably upgrade it to a slightly bigger car if I start to have kids. What's wrong with hatch-backs? Too small?
Fortunately my partner is currently in a comfortable position where she works and she likes to be near her family so it has been pondered upon and the decision was that she maintains her status and I should be the one to see how I can improve my situation. If my plan backfires completely, at least she still holds a stable position for both of us as we ride out the storm.

English SPM onli leh    But thank you for your compliment. I guess it's because I speak English to everyone I know. Unfortunately my Chinese language is not on par with my English. Some people call me a 'banana'. (Yellow outside, white inside.) 
Yeah, I believe what you say is true, for KL medium cost would be in the range of RM160k - RM300k. Thankfully my hometown is still affordable so I hope to find one nice place to live in that fits my budget.