Where And What To Invest If You Have 100k?

[bepgof 20]

Unit Trust is the biggest load of bull**** ever. Only benefits the fund managers. The initial sales charge, management fees, performance fees n other fees will be a killer..if you wanna invest into an index u are better off buying ETFs...anything u can think of, theres a ETF on it. Long/short dow or the financials be it 100% or 300%

True enough.

Abt a month ago, convinced wife to park her $50k(which has been kept in saving account for a few yrs) in United Emerging Markets Bond Fund.

The fund started since 2001, yearly yield average 5-6%. Wonderful feature is that the payout is monthly.

Don't talk abt capital gain(buy/sell), everymonth just receive 50000x0.05/12 = $208.3. Better than parking the $ in saving account right?

http://www.uobam.com.sg/uobam/assets/pdfs/fundfact/p_gemsgd.pdf

[bepgof 20]

I present her the calculation "present" & "furture" value of money.

Also some calculation of CPI/saving....she finally convinced.

[Xanana 0]

how about foreign fixed deposits looking now ?

i am thinking of putting some in AUD $ for 3 ~ 6 mths

any advice would be appreciated.

(ps : FIRST time investor)