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CHAPTER 6 INVESTMENT PLANNING, Personal Plan, Asset Allocation, Key…
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Personal Plan
Why Invest?
Check finances (budget, debts, emergency fund)
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Save & gather funds (sacrifice spending, payroll deduction, windfalls)
Set clear goals (specific, measurable)
Investor’s Role
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Keep records, consider taxes
Information Sources
Govt publications, corporate reports
Internet, newspapers, periodicals
Investor services, newsletters
Investment in Malaysia
Savings account → safe, low interest, insured
Fixed deposit (FD) → fixed time, conventional/Islamic
Unit Trusts → equity, fixed income, Islamic, property
Gold → safe-haven, hedge, diversification
Shares → IPO, wide choice, easy trade, diversify
Residential property → houses, condos, shops, offices
ETFs → track index/commodities, traded like stock
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