Assets to invest in.

Here are some assets to invest in.

1.  A residence.
This is often the first property acquired.  Choose a great property to make a good home.

2.  A premise for own business.
With so many commercial buildings available, renting is also an option.   Location and suitability to the business are important.

3.  Commercial property(ies) for rental income.
Location. Location. Location.  But be prepared for the problems of being a landlord.  Capital appreciation the last 10 years and rental income have been poor in those locations where the supplies exceed demands for rental properties.

4.  Land for residential, industrial or commercial use.
Needs a large initial capital.  No income or minimal income yield for many years until the full potential of the land is realised.  However, capital appreciations over many years are often huge.

5.  Plantations for income.
For those with the enthusiasm to manage an oil palm plantation, this is still a great investment.  Equally, acquiring stocks of plantation counters serve the same purpose.

6.  Cash in FDs or fixed income investment products.
Worth keeping some cash for emergency use.  However, the buying power of cash is eroded by inflation over many years.

7.  Shares in the local bourse.
Probably the better investments for those with the necessary financial education.  But be prepared for the market price fluctuations (volatilites).  Take advantage of market volatility and make it your friend.  Do not fall folly to it.

8.  Shares in the overseas bourses.
This is part of diversifying your assets overseas.

9.  Own business.
A challenge for those who has the zeal of an enterpreneur.  Higher risk but the rewards can be hugely substantial.

10.  Buying whole or part of new businesses.
For those with the enterpreneur spirit.  But be prepared to manage the business.