6 Ways To Become Investment Savings Change

1. Savings Account.

Excess

* Easily dismantled and taken care of.
* Minimum requirements and it is quite plausible.
* Access is a flexible cash.

Deficiency;

* Cash withdrawals can easily be detrimental to your savings plan.

* Interest rates are relatively low. That is not more than 1% per annum.

2.Deposit fixed.

Advantage;

* Interest rates higher than savings accounts (3% -4% per annum)
* Money can not be spent indiscriminately.
Deficiency;
* Interest rates may be less than the inflation rate. For example, the current inflation rate is 8% while the interest rate is 3.5%. Meaning, you will still lose money by selecting investments this way.
Production is less flexible.

3. Property.

Advantage;
* A plan "forced savings" as well.
* For a good hedge to avoid inflation.
* Ability to skyrocket during the bubble economy.
Disadvantages:
* To start saving is difficult, for advances to higher and you must qualify for bank loans (net salary per month min RM1500)
* The scheme of repayment of long-term mortgages are not flexible.
* Can not be immediately converted to cash. (Difficult if there were emergency cases)

4. Life Insurance.

advantage;

* A convenient storage and protection benefits.
* Since many policies impose a penalty if withdrawn before maturity of insurance, it acts as makenisme to encourage savings.
* Proven program as being "forced savings" effective.
Deficiency;
* Returns a bit lower than the long-term investment vehicle to another.
* Lack of flexibility.

5. Unit Trusts

Advantage;

* Ideal investment tool for safe storage for frequently.
* Returns a slightly higher than fixed. (Public Mutual between 10% -25% per annum)
* The beginning is not as small as required to a savings account. (Public Mutual min RM 1 thousand)
* Usually a simple investment increased savings on regularly.
* The benefits obtained through dollar cost averaging. (There are times when I describe) a balanced investment portfolio that you do not have to manage.
* You can sell your units when the price is satisfactory at any time.
deficiency;
* Affected by fluctuations in the stock market or other markets that the fund had invested. (Ttp for long-term investments do not have to worry about this situation)

6. Stock Market.
Advantage;

* More robust dariapda current account.
* Can return many as timely.
Deficiency;
* You need a fairly large sum of money to enter the stock market (min RM10 thousand)
* Not for normal storage, which invests only beberaa hundred dollars a month.
* You need a lot of investment information and good luck to manage your own successful palaburan.

In short, you can evaluate the form of investments that are appropriate to the capacity and investment objectives. Refer to your financial consultant.
Thank you.