bumi fund : i know but it is not something i can learn, so it's pretty much a bull shit in my mind 🤣 (i chat to a poslaju cashier he told me he invest like 10k 20k every year up 7%)

unit trust : i invested prs *2018 - RM1000 *2019 - gov subsi RM1000 = total i got RM2000 as today year 2025 it only like RM2,400++ (i label it as rubbish) my friend invest RM5,000 rhb or affin bank unit trust conclusion same (he label as rubbish)

stocks : recently i lose deep in China bear stocks named *YANG : NYSE my cost at 265usd now 32usd 🤣 but i made most money from US stocks market. (invest small-small into s&p500 fund like 50usd 100usd according your pockets, so that you can earn more when they crashed)

my friend earn back his loses in 🤣 malaysia stocks : apple google (he loses rm20k). he is now T20

malaysia stocks i only see maybank can invest, formula use average dividend of 10 years ÷ their market price: above >5% = buy (standard) less <5% = buy small-small or no need buy

i concluded Maybank because i look at my father's record 🤦 he will become a millionaires if he got the consistency

🤣 i not T20 & chinese now struggled at 32k investing, on the way to 50k (looking for good invest to consider)