Factor to be consider

tajuk entry sepatutnya Factors to consider in Investment
this can be apply for any type of investment. (Unit Amanah/Gold/Market Stocks)

Factors to consider:
1. Goals/Objectives
2. Expected rate of RETURN
3. Risk
4. Time horizon
5. Current financial position

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Apakah objektif pelaburan kita? What we save for?
- Emergency Funds (71% RD readers agree with this)
- home ownership 29% (yg dah beli sebuah, maybe lookin fwd for 2nd house)
- gettin married (perhaps saya antara yg masih dgn objektif ni hihiks)
- special treat-holiday vacation etc umrah/haji/makan angin/honeymon
- children education (56%)
- Supporting Aged Parents
- Special Purchase (Car, Perabut Rumah, Electrical gadget)
- increase WEALTH
- comfortable RETIREMENT (57%)

Apakah jangkaan pulangan keuntungan dari pelaburan tersebut?
Sekadar untung balik modal?
atau keuntungan lebih tinggi dari simpanan sedia ada?

Berapakah risiko yg sedia anda hadapi?
setiap investor tanpa sedar mahukan High Return, NO risk, Fast Result!
tapi ada kah investment dgn ciri2 begini? if ada tulun bg tau saya... hihihi

in fact invest with gold pun still ade risk maa.. beli physical gold kalau salah tempat simpan hmm haru gaks!
utk ini investor mesti sedar,
LOW RISK, LOW RETURN!
HIGH RISK, HIGH RETURN!

NO RISK? BEST HIGH RETURN?? .. jaga2 itu macam skim-pak-man-telo-cepat-kaya!

Berapakah tempoh yang anda sedia tunggu untuk pelaburan anda?
the longer the better...
for UT investment, MINIMUM 3-5years. again depends pada objektif kita gak!

Tetapi, apakah situasi kewangan kita sekarang?
Ada duit lebey utk test investment?
Berminat, tapi duit tak cukup... tiba2 teringat pada duit EPF Acc 1.
ok gak tu! at least during retirement, ada extra cash lebey sket dari org lain ;)