On investment

Asyik ckp pasal anya & adiy je, arini kita tukar citer plak...pasal investing....dlm dunia yg serba mata duitan nie, kite kena pandai invest...naper kita kena invest? sbb every year, ada inflation, bila ada inflation, harga barang2 akan naik (dlm 5-10% setahun)...kalo nk harapkan duit gaji (yg naiknyer kekadang tak smpi 5% pun), cane kita nk maintain kehidupan kita.....

kita leh invest dlm byk instrument, depending on our risk apetite...some of the investment are VERY RISKY (ie. equity), whilst some of the investment are less risky (ie. unit trust, properties) and some with no risk (ie deposits-ASB).

Some people said its better to diversify, some ppl said its better to NOT diversify...to me, its better if we diversify coz if sumthing happen to one of our investment, we still have back up on other investments....therefore, my advise is NEVER PUT ALL UR EGGS IN ONE BASKET! its dangerous...

At 30 years old, i'v invested in equity, unit trust, properties, gold, asb and even venture into small business....based on my tiny experience, i found that timing is the most crucial element in our investment...you must know when to enter and when to exit the investment...dont get to greedy coz greed can eat you up....this applies to all investment above except for no risk investment such as ASB....

i'll tell you more abt my investment so far in my next post k