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.

Planning Your Investment

You not just depends on luck in investment. Good result can come will a careful planning. When u invest, you should not rely on hearsay. You must spend some time understanding the market, either through research or seeking out expert advice. Here are some of the factors you should aware :

1. Why u want to invest?
2. Know the key issues to consider when investing.
3. The concepts of investing.
4. Which investments are appropriate for you.

Continue...

Invest For Future

Investment is part of your financial planning as long as for your future, your family and your children fate. When you have some amount of savings, you sure want to increase it. They suitable way to make it come true is to invest them to maximize your return. But when there's a way, there also have the risk to be taken. With my blog, i will go through roughly some guidance on the factors to consider before investing as well as the do's and don'ts when investing.

Before i finish my first post, i want to explain about the different between investment and savings. Investment differs from savings in term of the risk. In savings, you will generally get back your savings, plus some interest. However, in an investment, you may or may not get back the sum invested or you may get much more than the initial amount invested. The potentially higher return is to compensate you for the higher risks undertaken by you.

That surely a HIGH RISK!!!