# data[].attributes.headline
Yeow Wei Wen, Choo Jia Le, Gabriel Chua Chin Seng, Kok Yin Loon, Ng Jason

# data[].attributes.subject
Yeow Wei Wen, Choo Jia Le, Gabriel Chua Chin Seng, Kok Yin Loon, Ng Jason

# data[].attributes.body
1. Fixed deposit
- don't need much investment knowledge
- low risk low return than high risk investment
- require minimum investment of RM1,000
-has withdrawal restrictions throughout the tenure of your preference ranging from as short as a month to as long as 5 years

2. Real estate
-The larger your investment capital becomes, the higher the risks and return of investments.
-your dream of maximum house sale profits may be hampered by the RPGT because RPGT charged based on your house's selling price
-Choosing the best property for the highest return: 1) Location,  2)Availability of public transport; 3) Development of surrounding area; 4) Design, size, aesthetics; 5) Public perception and image of the neighbourhood

3. Insurance Products
-does not require a large investment capital
-require either a monthly, biannual, or an annual commitment
-ILPs may not be able to guarantee returns, but the coverage offered for medical claims are usually worth the premiums paid especially in old age
-selecting the right policy which offers optimum coverage for illnesses

4. Franchise Business
-most expensive and riskiest option, but greater return.
-need large capital
-Before proceeding, we just have to make it clear that this sort of business requires a ton attention and an eye for precision because of the risks involved spanning over different industries like food and beverage, pharmaceuticals, automotive, and even beauty and health
-have ongoing fees such as royalty fees, premises rental, marketing contribution and so on.

# data[].attributes.body
1) Fixed deposit
-don't require much investment knowledge
- low risk
- a high return ranging from 3% to 4% per annum for a minimum investment of RM1,000
-the tenure of your preference ranging from as short as a month to as long as 5 years.
-Some banks help you manoeuvre this clause with CASA Bundling (current and savings account), which invites you deposit money into two separate accounts
2) Real Estate
-risk in this category is given a sense of reassurance
-it is a high risk, high return of investment
-it can invest for non current asset such as housing, car
-Choosing the best property for the highest return is a mixture of research and luck
3)Insurance product
-most popular investment
-do not need a large amount of capital for investment
-there have many type of insurance such as  life insurance, family insurance, saving plans, education funds, and endowment policies and others
- you should buy it when you still younger
-this type of investment won't help you to earn money but i can help you when you have some health problem
4)Franchise Buisness
-most expensive and risky option
-need to put in large amount of money to run your business
-the risk factors of a franchise business is much lower than that of a personal business

# data[].attributes.headline
Chong Zhi Ren , Lee Hui June ,  Wong Yeong Ying , Stanley Low Jun Loong

# data[].attributes.subject
Chong Zhi Ren , Lee Hui June ,  Wong Yeong Ying , Stanley Low Jun Loong

# data[].attributes.body
1.  Fixed deposit
-Don't require much investment knowledge and are generally considered low risk.
-Returns are guaranteed according to deposited amount but the interest is usually lower than high risk investments.
- A high return ranging from 3% to 4% per annum for a minimum investment of RM1,000, hassle-free management, rewards loyalty, and is protected by government insurance.
-You cant withdrawn any money within the period from a month to 5 year but some bank will help you to manoeurve this clause with CASA Bundling, which invites you deposit money into two separate account, current and savings account.

2. Real estate
-The larger your investment capital becomes, coherently, so do your risks and return of investments.

-Risk in this category is given a sense of reassurance due to the ever appreciating value of property that Malaysia has seen thus far.
-Simply buying a home in the right district can mean earning a profit of even double the purchase price in 5-10 years .
-maximum house sale profits may be hampered by the Real Property Gains Tax (RPGT) that acts as a federal administrative to maintain a healthy balance of property value in the industry. RPGT is charged based on when you sell the property so do take note of the rules to maximise your returns. In any case, property can yield a higher profit if you wait.
-best property for the highest return is a mixture of research and luck.

3. Insurance products
-Insurance is the most popular form of investment in our society that does not require a large investment capital.
- investment linked insurance policies (ILP) not only provides you extensive coverage but a handsome amount of cash upon maturity.
-Due to intense competition between policy providers, a tremendously wide range of byproduct protection policies are being introduced even as you scroll lower into this written piece.
-ILPs may not be able to guarantee returns but there will most of the time be nominal payouts. Even if there isn't, the coverage offered for medical claims are usually worth the premiums paid especially in old age.
-Investing in insurance won't necessarily make you rich - but investing in a good policy keeps your medical needs paid for so your own money can be channelled elsewhere.

4. Franchise business
-This is the most expensive and riskiest option but the returns can be much greater if one succeeds.
-Why not consider turning your investment into a business opportunity.
-Investing in insurance won't necessarily make you rich - but investing in a good policy keeps your medical needs paid for so your own money can be channelled elsewhere.
-Franchises are an idea when you have the funds but don't want to take the time building a brand.
-Have to make it clear that this sort of business requires a ton attention and an eye for precision because of the risks involved spanning over different industries.
-The risk factors of a franchise business is much lower than that of a personal business due to its ready-made successfully proven business model and products.

# data[].attributes.headline
seeqiyang,sharon leong yong ser, muhammad haziq

# data[].attributes.subject
seeqiyang,sharon leong yong ser, muhammad haziq

# data[].attributes.body
1.Fixed Deposit
- Don't require much investment knowledge.
- Low risk
-a high return ranging from 3% to 4%
-Some banks help you manoeuvre this clause with CASA Bundling (current and savings account), which invites you deposit money into two separate accounts
2.Real estate
-larger your investment capital becomes, coherently, so do your risks and return of investment.
- risk in this category is given a sense of reassurance due to the ever appreciating value of property that Malaysia has seen thus far.
- Choosing  the highest return is a mixture of research and luck.
3.Insurance Products
-most popular investment
-do not need a large amount of capital for investment
-there have many type of insurance such as  life insurance, family insurance, saving plans, education funds, and endowment policies and others
4.Franchise Business
- most expensive and risky option/-
- need to put in large amount of money to run your business.

# data[].attributes.headline
Jane Lee Le Xuan,Lim Hui Ying,Tan Ying Hui,Elaine Khoo Sue Mae,Goh Fang Chin

# data[].attributes.subject
Jane Lee Le Xuan,Lim Hui Ying,Tan Ying Hui,Elaine Khoo Sue Mae,Goh Fang Chin

# data[].attributes.body
1.fixed deposit
-don't require much investment knowledge
-low risk
-the interest is usually lower than high risk investments
-guarantees a high return ranging from 3% to 4% per annum for a minimum investment of RM1,000 and its' protected by government insurance.
-Some banks help you manoeuvre this clause with CASA Bundling (current and savings account), which invites you deposit money into two separate accounts
2.real estate
- larger your investment capital becomes, coherently, so do your risks and return of investments.
-risk in this category is given a sense of reassurance due to the ever appreciating value of property
-your dream of maximum house sale profits may be hampered by the Real Property Gains Tax (RPGT)
-Choosing the best property for the highest return is a mixture of research and luck
3.insurance product
- not only provides you extensive coverage but a handsome amount of cash upon maturity
- ILPs may not be able to guarantee returns but there will most of the time be nominal payouts
- selecting the right policy is key and when done at a younger age offers optimum coverage for illnesses as you will not have the bar of 'pre-existing illness' to contend with.
4.Franchise Business
-This is the most expensive and riskiest option in this list but the returns can be much greater if one succeeds
- we have to make it clear that this sort of business requires a ton attention and an eye for precision because of the risks involved spanning over different industries
-the risk factors of a franchise business is much lower than that of a personal business

# data[].attributes.headline
Ng Kai Man , Chong Chun Heng , Tan Xin Yee , Tan Zhe Wen , Ong Jie Ying 

# data[].attributes.subject
Ng Kai Man , Chong Chun Heng , Tan Xin Yee , Tan Zhe Wen , Ong Jie Ying 

# data[].attributes.body
A) Fixed Deposits

- Low risk and return are guaranteed according to deposited  amount.

- Return ranging from 3% to 4% per annum

- It has withdrawal restrictions throughout the tenure of our  preference ranging

B) Real Estate

- The larger your investment capital becomes, the more the risk and return of investment.

- Buying a home in the right district can mean earning a profit or double the price of the asset in 5-10 years

-  Real Property Gains Tax (RPGT) is charged based on when you sell the property.

- Choosing the best property for the highest return is a mixture of research and luck.

C) Insurance Products

- Does not require a large investment capital.
-Investment linked insurance policies(ILP) provides extensive coverage and handsome amount of cash upon maturity.
-Selecting the right policy is key and when done at a younger age offers optimum coverage for illnesses as you will not have the bar of ' pre-existing illness' to contend with.

D) Franchise Business

- The most expensive and riskiest option but the returns are much more higher.

- this sort of business requires a lot of attention and eye for precision because the risks involved spanning over different industries like food and beverage, pharmaceuticals, automotive, and even beauty and health

- Risk factors of a franchise business is much lower than that of a personal business  due to its ready-made successfully proven business model and products

# data[].attributes.headline
Ivy See , Angelin Tan Li Xin, Nicholas Tan Yi Hong , Nixon Teoh Hong Chin

# data[].attributes.subject
Ivy See , Angelin Tan Li Xin, Nicholas Tan Yi Hong , Nixon Teoh Hong Chin

# data[].attributes.body
1. Fixed Deposits
-Don't require much investment knowledge.
-Considered low risk.
-Interest usually lower than high risk investments
- A high return ranging from 3% to 4% per annum for a minimum investment of RM1,000 and it is protected by government insurance.
-Some banks help you manoeuvre this clause with CASA Bunding (current and savings account), which invites you deposit money into two separate accounts.

2.Real Estate
-The larger your investment capital becomes, coherently, so do your risks and return of investments.
-A sense of reassurance due to the ever appreciating value of property.
-Choosing the best property for the highest return is a mixture of research and luck.

3.Insurance Products
-Does not require a large investment capital.
-Investment linked insurance policies(ILP) not only provides you extensive coverage but a handsome amount of cash upon maturity.
-Selecting the right policy is key and when done at a younger age offers optimum coverage for illnesses as you will not have the bar of 'pre-existing illness' to contend with.

4.Franchise Business
-This is the most expensive and riskiest option in this list but the returns can be much greater if one succeeds.
- Have to make it clear that this sort of business requires a ton attention and an eye for precision because of the risks involved spanning over different industries.
-The risk factors of a franchise business is much lower than that of a personal business due to its ready-made successfully proven business model and products.

# data[].attributes.headline
Chong Xin Ee,Lau Wan Ying,Liang Hui Li,Aric,Ho Houng Khwan

# data[].attributes.subject
Chong Xin Ee,Lau Wan Ying,Liang Hui Li,Aric,Ho Houng Khwan

# data[].attributes.body
1)Fixed deposit
-Don't require much investment knowledge.
-Low risk.
-Interest is lower than high risk investment.
-A high return ranging from 3%-4% per annum for a minimum investment of RM1000.

2)Real estate
-The larger your investment capital becomes,coherently,so do your risks and return of investments.
-risk is due to the ever appreciating value of property.
-maximum house sale profits may be hampered by the Real Property Gains Tax(RPGT).
-choose the best property for the highest return.

3)Insurance products
-does not require a large investment capital.
-Investment linked insurance policies(ILP) provides extensive coverage and a handsome amount of cash upon maturity.
-Select the right policy is key and when done at a younger age offers optimum coverage for illnesses as you will not the bar of 'pre-existing illness' to contend with.

4)Franchise Business
-most expensive and riskiest option but the returns can be much greater if one succeeds.
-risk factor is much lower than of a personal business.

# data[].attributes.headline
Tham Jie Shi,Devi Gopal Mohan,Goh Wei Xuan,Ho Chin Han,Cristy Fo Hui Chi

# data[].attributes.subject
Tham Jie Shi,Devi Gopal Mohan,Goh Wei Xuan,Ho Chin Han,Cristy Fo Hui Chi

# data[].attributes.body
1)Fixed deposit
Doesn't require investment knowledge and considered low risk. Interest are lower than high risk investment. High returns ranging from 3%-4% per annum for minimum investment of RM1000 and it's protected by government insurance. You cannot withdraw the money as short as a month to as long as 5 years.  If you withdraw any money in this time of period,  you will lose the ability to earn the interest. You can open 2 accounts with the help of banks, first account allow you to withdraw money and the second account is for your savings.

2)Real estate
The larger your investment, the more the risk. Buying a asset in a right district can help you to earn profit or double the price of the asset in 5-10 years .RPGT is charger based on when you going to sell your asset. Before buying the property, we have to ensure some main important details.

3)Insurance products
most popular investment. Not only provides you extensive coverage but also a good amount of cash . ILPs may not be able to guarantee returns but there will most of the time be nominal payouts . selecting the right policy is key and when done at a younger age offers optimum coverage for illnesses as you will not have the bar of 'pre-existing illness' to contend with.

4)Franchise business
the most expensive and riskier investment but the returns are greater. this sort of business requires a ton attention and an eye for precision because of the risks involved spanning over different industries like food and beverage, pharmaceuticals, automotive, and even beauty and health; in short, this is not for the faint hearted. This kind of investment have ongoing fees which are pretty hefty too; for instance royalty fees, premises rental, marketing contribution and many more depending on brand value and marketability.

# data[].attributes.headline
Pok Xiao Lin, Lim Hui Thing, Toh Tao Jie, Verona Tan Xiang Ni, Gan Li Hui

# data[].attributes.subject
Pok Xiao Lin, Lim Hui Thing, Toh Tao Jie, Verona Tan Xiang Ni, Gan Li Hui

# data[].attributes.body
1.Fixed Deposit
-Do not need to require much investment knowledge .
-Low risk.
-Interest earn is lower than high risk investment.
- High return ranging from 3% to 4% per annum for a minimum investment of RM1,000.
- Hassle-free management, rewards loyalty, and is protected by government insurance .
2.Real Estate
-Risk is due to  the appreciating value of property,
- Maximum house sale profits may be hampered by the Real Property Gains Tax.
3. Insurance
-Investment linked insurance policies (ILP) provides extensive coverage and handsome amount of cash upon maturity.
-Select the right policy and done at a younger age do offers optimum coverage for illnesses as you will not have the bar of 'pre-existing illness' to contend with.
4.Franchise Business
-This is the most expensive and riskiest option but the returns can be much greater if succeeds.
- Risk factors of a franchise business is much lower than that of a personal business

# data[].attributes.headline
Andy Hong Phing Cai, Ng Pin Xuan, Ng Yi Suan, Mika Imon, Masaki Soejima

# data[].attributes.subject
Andy Hong Phing Cai, Ng Pin Xuan, Ng Yi Suan, Mika Imon, Masaki Soejima

# data[].attributes.body
1. Fixed Deposit
- Don't require much investment knowledge.
- Low risk
- A high return ranging from 3% to 4% per annum for a minimum investment of RM1,000.
- The tenure of your preference ranging from as short as a month  to as long as 5 years.
- Some banks help you manoeuvre this clause with CASA Bundling (current and savings account), which invites you deposit money into two separate accounts.

2. Real Estatehe
- larger your investment capital becomes, coherently, so do your risks and return of investment.
- risk in this category is given a sense of reassurance due to the ever appreciating value of property that Malaysia has seen thus far.
- Choosing that best property for the highest return is a mixture of research and luck.

3. Insurance Products
- most popular investment.
- do not need a large amount of capital for investment.
- there have many type of insurance such as life insurance, family insurance, saving plans, education funds, and endowment policies and others.
- you should buy it when you still younger.
- this type of investment won't help you to earn money but i can help you when you have some health problem.

4. Franchise Business
- most expensive and risky option/-
- need to put in large amount of money to run your business.
- the risk factors of a franchise business is much lower than that of a personal business.

# data[].attributes.headline
Yong Sze Khai, Sri Gauri Sangkar, Low Siew Hui, Ng Jia Hui, Chieiu Hui Shee

# data[].attributes.subject
Yong Sze Khai, Sri Gauri Sangkar, Low Siew Hui, Ng Jia Hui, Chieiu Hui Shee

# data[].attributes.body
1.Fixed Deposits
-don't require much investment knowledge
-low risk
-guarantees a high return ranging from 3% to 4% per annum for a minimum investment of RM1,000
-Some banks help you manoeuvre this clause with CASA Bundling (current and savings account), which invites you deposit money into two separate accounts

2.Real Estatehe
-larger your investment capital becomes, coherently, so do your risks and return of investments
-risk in this category is given a sense of reassurance due to the ever appreciating value of property that Malaysia has seen thus far
-Choosing the best property for the highest return is a mixture of research and luck

3.Insurance Products
-a tremendously wide range of byproduct protection policies are being introduced
-Policies range from life insurance, family insurance, saving plans, education funds, and endowment policies amongst many others, which require either a monthly, biannual, or an annual commitment
-selecting the right policy is key and when done at a younger age offers optimum coverage for illnesses as you will not have the bar of 'pre-existing illness' to contend with

4.Franchise Business
-the most expensive and riskiest option in this list but the returns can be much greater if one succeeds
-some comfort lies in the fact that the risk factors of a franchise business is much lower than that of a personal business due to its ready-made successfully proven business model and products

# data[].attributes.body
1) Fixed deposit
-don't require much investment knowledge
- low risk
- a high return ranging from 3% to 4% per annum for a minimum investment of RM1,000
-the tenure of your preference ranging from as short as a month to as long as 5 years.
-Some banks help you manoeuvre this clause with CASA Bundling (current and savings account), which invites you deposit money into two separate accounts
2) Real Estate
-risk in this category is given a sense of reassurance
-it is a high risk, high return of investment
-it can invest for non current asset such as housing, car
-Choosing the best property for the highest return is a mixture of research and luck
3)Insurance product
-most popular investment
-do not need a large amount of capital for investment
-there have many type of insurance such as  life insurance, family insurance, saving plans, education funds, and endowment policies and others
- you should buy it when you still younger
-this type of investment won't help you to earn money but i can help you when you have some health problem
4)Franchise Buisness
-most expensive and risky option
-need to put in large amount of money to run your business
-the risk factors of a franchise business is much lower than that of a personal business

# data[].attributes.headline
Rabiatul Azurin Binti Rosman, Gan Qian Han, Tan Kah Kei, Chua Shi Rou and Cha Jie Yee.

# data[].attributes.subject
Rabiatul Azurin Binti Rosman, Gan Qian Han, Tan Kah Kei, Chua Shi Rou and Cha Jie Yee.

# data[].attributes.body
1) Fixed deposit
- high returns 3%-4%
- the deposit is fixed
2) real estate
- invest for non-current asset just like house
- can earn higher interest than others
3) insurance product
- can use  it for emergencies
- get policy
4) franchise business
- earn high interest
- low risk than personal b

# data[].attributes.body
Example of investment ideas:
1). Fixed Deposit

- one of the most popular forms of investments

- does not require much investment knowledge

- low risk

- returns are guaranteed according to the amount deposited but interest is usually lower than other higher risk investments

- guarantees high return from 3% to 4% per annum for a minimum investment of RM 1000.

- hassle-free management

-rewards loyalty and is protected by government insurance

-withdrawal is restricted throughout the tenure of your preference ranging from as short as a month to as long as 5 years

-if withdrawn at any time during this period, will lose a huge sum of promised interest

2). Real Estate

-higher risk and higher return of investments

- the value of real estate will appreciate

- the profit earn will doubled from the purchase price in 5-10 years (or less, if the area is highly profitable)

- it may be difficult to achieve maximum house sale profits due to Real Property Gains Tax (RPGT) which acts as a federal administrative to maintain a healthy balance of property value in the industry

- RPGT is charged based on when you sell the property

- property can yield higher profit if you wait

-do consider the following for choosing the best property for the highest return; location, distance from amenities, availability of public transport, development of surrounding area, design, size, aesthetics and public perception and image of the neighbourhood

- in the end, it is still a matter of luck when purchasing the best property

3). Insurance products

- most popular form of investment

- does not require a large investment capital

- Investment linked policies (ILP) provides extensive coverage and also a handsome amount of cah upon maturity

- there are a wide range of by-product protection policies introduced by policy providers

- policies range from life insurance, family insurance, saving plans, education funds, and endowment policies, which require either monthly, biannual, or annual commitment

- ILPs may not guarantee returns but most of the time there will be nominal payouts or if there is no nominal payouts, the coverage for medical claims are usually worth the premiums paid especially in old age

- the key is to select the right policy and done on younger age to have an optimum coverage for illness

- investing in insurance may not make one rich but it can help to pay our medical needs so that other money can be used elsewhere

4). Franchise Business

- most expensive and riskiest investment

- this option is not for most people but for those who have money

- investment capital requirement ranging from at least RM 500,000 to RM 4,500,000 depending on the size of the business

- franchises are a great idea when you have enough funds but do not want to take the time to build a brand

- requires a lot of attention and eye for precision because the risks involved spanning over different industries like food and beverage, pharmaceuticals, automotive, and even beauty and health

-risk factors of franchise business are much lower than personal business due to its ready-made successfully proven business model and products

-While for personal business, we have the full creative control but we must be prepared to face business obstacles

# data[].attributes.body
1171103602
Example of Investment Ideas
Fixed Deposit
-Low Risk
- It is a High return ranging from 3%to 4% every year for a minimum investment of RM1000
- But it has a withdrawal restriction as long as five years
- If ringgit price falls, the promised interest also will loss .

# data[].attributes.body
Dear students,
Read the article below. List out some examples of investment ideas mentioned in the text and briefly explain them.

# data[].attributes.attachment_link.readable_text
Financial goals, everybody has their own. It doesn't really matter how old you are because (say it with me), age is just a number; unlike the digits that appear in your annual bank statement.

In achieving those financial goals, it solely is a matter of understanding a potential investment and making the right decisions that are pivotal in ensuring financial comfort and freedom for yourself as well as the ones you hold close to your heart.

However, achieving such is no easy task. When people think of investments, they think of complicated government bonds, volatile stock markets, and shrewd market play but whilst these risky investments can make the savvy investor oodles of money; you don't have to be a pro or take such high risks to earn a bit of extra cash on your capital.

We've come up with a list of possible ventures into the world of mushrooming entrepreneurship for the young; balancing risk, investment capital and return of investment (ROI) to suit your short and long term financial interests whatever your investment know-how.

Fixed Deposits

This is considered one of the other more popular modes of investment in our country. Fixed deposits don't require much investment knowledge and are generally considered low risk. Returns are guaranteed according to deposited amount but the interest is usually lower than high risk investments.

It guarantees a high return ranging from 3% to 4% per annum for a minimum investment of RM1,000, hassle-free management, rewards loyalty, and is protected by government insurance.

However, there is a catch to this lucrative deal. Your pot of investment has withdrawal restrictions throughout the tenure of your preference ranging from as short as a month to as long as 5 years. If at any time during this period so much as a ringgit is withdrawn, you stand to lose a chunk of your promised interest.

Some banks help you manoeuvre this clause with CASA Bundling (current and savings account), which invites you deposit money into two separate accounts, the first prohibits withdrawal while the other acts as a savings account whereby withdrawal is permitted.

However, do remember that different banks can and do have different policies so be sure to scrutinise your selected bank's T&Cs before applying.
No 'Wolf of Wall Street' Investment Know-How required to own an FD
Real Estate

The larger your investment capital becomes, coherently, so do your risks and return of investments.

However, risk in this category is given a sense of reassurance due to the ever appreciating value of property that Malaysia has seen thus far. Simply buying a home in the right district can mean earning a profit of even double the purchase price in 5-10 years (or less, if the area is highly profitable).

However, do take note that your dream of maximum house sale profits may be hampered by the Real Property Gains Tax (RPGT) that acts as a federal administrative to maintain a healthy balance of property value in the industry. RPGT is charged based on when you sell the property so do take note of the rules to maximise your returns. In any case, property can yield a higher profit if you wait.

Choosing the best property for the highest return is a mixture of research and luck. The following considerations will likely tip the scales from profitable to otherwise and vice versa.
1) Location; 2) Distance from Amenities; 3) Availability of public transport; 4) Development of surrounding area; 5) Design, size, aesthetics; 6) Public perception and image of the neighbourhood.

However, we did mention that there is still a matter of luck. Sometimes, you could check off all the boxes above and still find yourself waiting anxiously for the property to appreciate, or you could buy what seems to be a dud and watch it flourish. But hey, it's just the nature of investment.

Insurance Products

Arguably the most popular form of investment in our society that does not require a large investment capital, investment linked insurance policies (ILP) not only provides you extensive coverage but a handsome amount of cash upon maturity.

Due to intense competition between policy providers, a tremendously wide range of byproduct protection policies are being introduced even as you scroll lower into this written piece.

Policies range from life insurance, family insurance, saving plans, education funds, and endowment policies amongst many others, which require either a monthly, biannual, or an annual commitment.

ILPs may not be able to guarantee returns but there will most of the time be nominal payouts (the insurance companies do want to keep your business!). Even if there isn't, the coverage offered for medical claims are usually worth the premiums paid especially in old age.

However, selecting the right policy is key and when done at a younger age offers optimum coverage for illnesses as you will not have the bar of 'pre-existing illness' to contend with.

Investing in insurance won't necessarily make you rich - but investing in a good policy keeps your medical needs paid for so your own money can be channelled elsewhere.

Franchise Business
Caution: This is the most expensive and riskiest option in this list but the returns can be much greater if one succeeds.
Admittedly, this isn't the option for most people but if you have the money - why not consider turning your investment into a business opportunity? With a whopping investment capital requirement ranging from at least RM500,000 up to RM4,500,000 depending on size of the business (Food & Beverage franchises); franchises are an idea when you have the funds but don't want to take the time building a brand.

Before proceeding, we just have to make it clear that this sort of business requires a ton attention and an eye for precision because of the risks involved spanning over different industries like food and beverage, pharmaceuticals, automotive, and even beauty and health; in short, this is not for the faint hearted.

However, some comfort lies in the fact that the risk factors of a franchise business is much lower than that of a personal business due to its ready-made successfully proven business model and products. Comparing to a personal business, you might have full creative control but you must be prepared to face business turbulences.

The table below illustrates the start-up cost for popular food and beverage franchise businesses in Malaysia:

That's not all though, most of these franchisers have ongoing fees which are pretty hefty too; for instance royalty fees, premises rental, marketing contribution and many more depending on brand value and marketability.

Should this appear to scare you, fear not because buying over an existing business is actually less spooky compared to erecting a brand new outlet as a lot of the groundwork has already been done for you. That doesn't mean you can rest on your laurels, though. you'll still need to work hard to make it succeed!

If you are interested in one of these juggernaut businesses, be sure to be well educated and equipped with all the necessary before stacking up the ringgit!

Conclusion

The main idea of investment is at the end of the day to maximise the cash you have available to you.

Truth be told, various money making opportunities exist out there, its just a matter of understanding and then picking the right one to suit your risk appetite, available capital and preferences.

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Insurance Terms & Definitions

Have you come across a term used in your insurance policy that you've misunderstood or don't understand? To help you make sense of the jargon that's often used to describe insurance, here is our handy guide to the most commonly used key words and phrases.

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Financial goals, everybody has their own. It doesn't really matter how old you are because (say it with me), age is just a number; unlike the digits that appear in your annual bank statement.