Property investment in Malaysia is somewhat profitable if you know what you’re getting into. It is also helped by the leverage you get of using the bank’s money. Contrary to popular belief, being a landlord requires work. No such thing as just every month get rental. If you can handle that, then by all means, go for it.

For investing in publicly traded stocks, leverage is not as safe as real estate due to the volatility and cost. However, if you can truly understand the business and have strong conviction, it can easily 10x or even 100x your investment. It is also very liquid. For those who aren’t able to understand businesses, going for ETFs that reflect an index or sector is the next best thing.

For FDs, it’s the least risky product but not recommended if you’re looking for growth. It can’t beat inflation.

In conclusion, there’s no one size fits all. Understand your needs, your abilities and risk appetite. Remember the rule, there’s no free lunch in the world. High returns always comes with high risk. When you hear the news so and so makes it so easy, remember that there are 99 more that failed. They didn’t tell you only.