Invest in Bussiness

SCORE A (the introduction)

Score A is a Webucation program which combine Education and Web and it was the first Webucation in Malaysia.
In this era, webucation was the fast growing business opportunity. Not only u invest your money for your children's education, you also can make a profit with it.

From a research by an economic expert, like Peter Drucker, ‘Webucation’ is a potential business opportuinity for the future and it is more potential then Health Care and Communication business. It had been categorized as ‘Ekonomi Matahari Terbit’ where it has a bright opportunity to success for a long-term business.

At Malaysia, in year 2010, the government had targeted for all school to be ‘Sekolah Bestari’ where at that time, all the students will study using web or education portal like the Score A Programme.

FORBES Magazine

Types of Investment

Savings Account

It is hardly the best investments choice. Everyone or anybody should at least have one savings account, if not multiple ones in different banks. Savings account gives you an interest rate usually it’s a negligible amount, something like 1% per annum.

Fixed Deposit

We can normally decide how long you’d like to lock in your money in fixed deposit, the longer the period, the higher the returns. Fixed deposit interest ranges from 3%-4% per annum.

Tabung Haji

Some people would leave invest their money in tabung haji, which they could use to finance their haj to Makkah. Last year, the dividend was declared at 4.25%, comparable to fixed deposit returns.

EPF (KWSP)

Account 1 is for retirement fund and investment, whereas account 2 is for major purchases, such as buying a house. Last year, the dividend was declared at 5.15%

ASB (Amanah Saham Bumiputera)

This is a form of unit trust which gives rather good returns. The average returns at the moment were

Invest for Future 2

Financial Planning & Life Cycle Strategies

The amount of money to be invested in various assets depends on :

• your goals and needs
• your age at the time of investment
• your income at the time of investment
• your occupation
• time horizon
• liquidity
• tolerance for risk

What is Your Risk Profile

When determining your risk profile, ask yourself the following questions :

• What stage are you at in your life?
• Is your goal short-term, medium-term or long-term?
• What kind of 'money personality' do you have?
• Are you willing to accept short-term movements in the value of your investments?
• Are you prepared to accept higher risks for greater returns?

Getting Financial Advice

There are a number of parties offering financial advice examples bank, remisiers, financial planner or insurance agents depending on the types of investments involved. However, before your choose your financial adviser, ensure that the person is suitably qualified to give any advice.