i want to ask to forumer, where should i invest RM5000 that can give higher return.

ASB??
unit trust?
fix deposit??
stock market??

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I also not familiar wv stock or unit trust, hope some1 cld guide

hi goolie...

ada banyak benda boleh buat dengan RM5000.. Kalau business minded dengan RM5000 boleh jadi RM50,000.. tapi kena opportunity yang betul ler

Kinoz

ASB... if you wanted stable return in a long run...
unit trust... looong term and not guaranteed.. most of the time just break even
fix deposit... inflation rate is higher than than interest rate
stock market.... no use.. too little $$ to invest and high risk...

i say use the little 5k to invest in your knowledge and skills like books, seminars, workshops, technical and vocational training, etc.. bla bla bla....

every single investment into your intellectual growth will eventually transform to your success capital... if you use it wisely tat is...

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Hi goolie..
U can concider Network Markting bisnes. Start up investment normally tak besar kan...

Tak besar. Time and effort aje. Please register for more info. and you can see what is the financial commitment. Now is the offer. Joining only USD2 and free for 14 days trial. I guess you already have internet facility - so no problem already. This success university is a new thing in this region, so it will be a very good opportunity for you to grab it. The $5000 that you are talking about is more than enough. If you join, please be the premium member. This will not only an investment for income but also an investment for Modal Insan.

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Thanks for your note Goolie. Just click to my name there (left hand side) and click to my homepage. You will be led to the page. Keyin your particulars, you will get all the info. Later if you dont like it you can always unsubscribe.

I fully agree with what you said... knowledge is the best return. may bring even more if you use it properly...

with 5K, i can get either MCSE or CCNA cert already... after that...can bargian with my boss for increase salary..

According to the standard, approximate increase RM300 to 400 each cert... not much, better then nothing... after 2 year can cover the cost, but the cert is still in my hand... plus experience too

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Don't touch anything that you don't familiar. like MLM or any cepat kaya scheme. If you know nothing about investment mean you need someone to help you. My suggestion is unit trust. Your money manage/invest by professor/qualified consultant. Don't think about fixed deposit, is just too slow compare to inflation. And also don't go for stock market if you no knowledge about it. If you want to try then maybe you can test the water or your skill at bursapursuit.com.

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yaya..sometimes it depend on your risky..

if u want money...with more safer method..just invest in ASB...but maybe u can...rm4000 to asb....rm1000 to UT.

UT more safer than invest in stock.yeah...stock can give u more money in short term but it also can make u lost a lot.u must be more experience and have a full comitment to monitor the stock oso.

if u want to invest in UT...find a good agent that can guide u...not just get the "komisen" then cabut...

for me....rm4000 asb...then topup rm300 monthly...rm1000 go to UT...then topup monthly...

just my 2cents

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Maybe you got your point there. But I think ROI for ASN is just a little higher than fixed deposit (7-9% / year). correct me if I am wrong. I got my money invest in unit trust for 2 years now and got 35% of return and the rate can be more higher if not include new fund that I topup every month. Maybe up to 50% in just 2 years. BTW, another high risk fund that I bought last 2 months already have 25%. There is no investment that is guarantee of return and no risk.

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Hi goolie.. how fast you want your return actually?.. ASB, unit trust.. is not a short term investment.. afterall RM5000 is so small.. ASB payout is about 6.25% only provided you keep it there for a year. ASB and unit Trust sama jer.. it just ASB is a close ended, means you buy RM1 and sell it at RM1, it just they pay you dividend. Whereas Unit Trust is an open ended.. you can buy today at RM1 and sell it way below the inital price, the movement is rather slow...

What if I suggest, if you really want to make money.. use your RM5000 in learning how to make money. First get your Unit Trust Agent licence with FMUTM - take the exam and after that join as an agent with any fund. The most picking up Fund is CIMB. From there you can catch all those eagles or rich people with bunchful of money to invest with you and earn commisyen.

This is the way to make money if you're not interested in any other businessess like MLM, Online or Internet Biz.

i thnk that it can return some good feedback within 3 years then should be considered ok..

first of all, i thnk that we got to understand what is our risk appetite, term of ur investment and objective (wedding, education, extra funds).

for normal ppl with timid heart, they can go into FD or ASN if their risk appetite is on the low side. they can also try fixed income unit trust (ie bond funds).

if their appetite is moderate then can go for equity funds. dun recommend any UT funds that has foreign exchange element and REITS. i think liquidity is one of the concern i think.

if their appetite is slighter higher than moderate then can go into ETFs. they are very new in malaysia but worth a look. its like UT only they are open end funds which are tag / linked to the market index.

if their balls r bigger. directly invest into the stock market. they can either put money on speculative shares (high return high risk) or blue chip shares n benefit from the high dividend pay outs...

thats all is my advise only...pls dun follow my step buta-buta...

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