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Message: <blockquote data-quote="DJH" data-source="post: 542698" data-attributes="member: 21411">Guys, I am no expert but I can only add that many of us are greedy enough to be influenced into buying spree the minute we heard good things about property, gold, FD, and etc. I even have one friend putting all his money into buying gold bars. Sadly, his house got robbed so he is back to square one. I would suggest you think about 2 things. One to set side for investment another for self pleasure (mine would be F10 and 320d, lol). Another is purely investment. Look into variety of risk factors be it long, mid or short. I apportioned it into properties, FD, investment fund (insurance, yes u get to be insured and still has a high return of double digit growth y-o-y. There are few products for mid and long term), insurance, and gold, just to name a few. We are limited by how much the bank can loan for house purchases and soon application will be based on net income as opposed to gross income limiting our power of purchase. Now it is still a good buy due to competition with BLR/BFR of 6.6% minus 2.4-2.5 on daily interest. Soon, the banks may reach a point where they decided to team up and set a market standard rate. It's already happening in telco where collectively 6% tax will be borne by consumer come 15 sept. Hence, we need to diversify our investments. I for one dun play stock markets as it is a high risk venture so I am more for mid and long term.</blockquote>