7 Types of Investment Vehicles in Malaysia

1. SAVING / CURRENT ACCOUNT - Normally we all sure have a saving account either with MAYBANK, CIMB, AMBANK, RHB BANK etc to receive our monthly paycheck. This type of account usually give a dividend but normally around 1% - 2% per annum.

2. FIXED DEPOSIT (FD) - We can decide to set aside any amount of money (usually 5k above) within certain period of time from 1 month - 36 month. The return usually around 3% - 4% per annum depends on the times period.

3. TABUNG HAJI - Most of the Muslim like to save in here. In that way they can save enough money to go for Haj. Tabung Haji declare 7% dividend for the year 2007. It was the highest ever been since 2001.

4. EPF / KWSP - As an employee, you are required to contribute to the EPF under the EPF Laws, which are intended to protect your interest beyond your working life. Currently there are 2 type of account which is Account 1 (70%) & Account 2 (30%). Account 1 is for your retirement & investment meanwhile Account 2 is for owning a house, medical treatment, education etc. The strong market performance in 2007 has enabled the EPF to declare a dividend rate of 5.80% for the year. BUT due to worldwide financial crisis, they only declares dividend 4.50% for the year 2008.

5. ASB - Most of the BUMIPUTERA have this type of saving. AMANAH SAHAM BUMIPUTERA (ASB) is a unit trust fund handle by the Malaysian government. Its average return nowadays around 7% - 9%

6. UNIT TRUST - This is what we do promote nowadays, its projected return is around 8% - 15% per annum. Why is it 8% - 15% only, its because as an agent or Unit Trust Consultant (UTC) we are not allow to tell or give promises to the client regarding the higher return because it is against the etiquette. We never know what will happen in the near future. We also cannot predict the market outcome. This average return is based on the conservative fund solely. But for the past few years back, there are several funds achieve a profit more than 20% each year due to the good market fluctuation.

7. STOCK MARKET - Woow... this one if you have guts & have a lot of money to spend on, then you can play the market. You can gain profit 400% in one day & you can also lost 400% in a blink of an eye too or even more if you don't have the knowledge.


Base on this 7 types of investment, its all are up to you to make the decision.
If you all want to know more about this unit trust, can contact me for more details

H/P : 012-354 1944 or
email : peszals [at] gmail [dot] com or mfaizal.ishak [at] gmail [dot] com