What is the best investment?

The best investment comes in many forms. I was frequently asked this same question over and over again. Let’s see how some successful people answer the same question:

Ask a Successful businessman

On page 45 of Personal Money Issue #93 May 2009, Lim Chung Chun, the co-founder of iFast Corp Pte. Ltd. said,

“My best investment has been in iFAST. This has been my single-biggest investment and the most profitable so far.”

iFast is a multi-national investment services provider that has presence in Singapore, Malaysia, Hong Kong and India.
A successful businessman invest a lot in his own business. Ask Ray Kroc about his best investment, I bet he will say “McDonald”!

Ask a Successful Architect

On page 47 of Personal Money Issue #88 December 2008, Zaini Zainul said,

“I concentrate on real estate. I guess that, being an architect, it is what I know best. I don’t play in the stock market, as there are short-term success and risk involved.”

Zaini is a very successful architect who designed the Perbadanan Putrajaya Complex and Putrajaya Shangri-La Hotel at Putrajaya.

Ask a CEO

On page 43 of Personal Money Issue #92 April 2009, Mohamed Akwal Sultan, CEO of the Credit Counselling and Debt Management Agency (AKPK) said,

“I have a couple of good investments. One of the best happened when I first started working. I took a small loan to buy Amanah Saham Nasional unit trust way back in 1982. I’ve not touched that amount, and the compounding effect and accumulation of dividends have ballooned into quite a comfortable sum now”

You are a successful person in the Employee Quadrant when you become a CEO of a company. When you are focusing on your job and career and being a passive investor, unit trust may be the best investment for you.

What is my best investment?

My best investment so far is my life insurance agency business and this personal finance blog. I invested some money and a lot of time in these two. Both businesses give me regular streams of income. Although the income generated are not totally passive, but they allow me not to work for months without worrying about income loss.

What is the best investment for you?

From the examples above, it is apparent that there is no such thing as “the best investment” that suits everyone.
The best investment for you is something you

  • are passionate about
  • can leverage on
  • have total control

So, what is your best investment? Tell us about it.

About The Author


personal finance author and trainer


  • eugene

    Reply Reply June 9, 2009

    My investment is, i can dliligently put aside “X” amount of money in my FD, comes rain or shine,,,,,, and only from there, i can branch out to other investment

  • Jeremy

    Reply Reply June 9, 2009

    Hi KC, just saw your book in borders recently but I end up bought other books, do you mind? My best investment is myself. I always educated myself before I start to invest in any corner of investment vehicle. What I believe is… the best ever investment vehicle is ourselves. Invest in ourselves before we start to invest in others… like gold, stocks, business, mutual fund, real estate and so on.

    All the best!

    • KCLau

      Reply Reply June 10, 2009

      @ Jeremy,

      Thanks for checking out my book .. although you didn’t buy it.
      As you said, financial education is very important.

  • Alan

    Reply Reply June 9, 2009


    I personally do agree with your point that our chosen investment vehicle must be something we have total control.

    Once we are long enough in that, we would be expert too, and by then we can actually venture into other ways to generate another streams of income.

  • imDavidLee

    Reply Reply June 11, 2009

    for the time being, i thnk i will choose to invest in unit trust and feel more safety, do u think that?

  • Relax

    Reply Reply June 13, 2009

    For now it’s unit trust fund.

  • Lee

    Reply Reply June 15, 2009

    The best investment in the world, I think, it would be our children. They are the next generation of the nation. Invest doesnt means money only. We do invest our time with our family, our parents. ….. For our personal investment, I guess we should hear some advice from personal financial planner, and let us invest/plan in child education, or ourselves retirement plan/investment.

  • Falco

    Reply Reply June 16, 2009


    I just bought your book bout two weeks ago after surfing your web. It indeed increase my financial knowledge in some ways… Keep it up man.. As an insurance agent myself, I think theres a lot I need to learn from you.. Keep it up man..!!

    I totally agree with you, invest in sth that you have total control and have certain knowledge in it or else it is very dangerous for us to invest blindly.

    • KCLau

      Reply Reply June 19, 2009


      Thanks for your support. You’ve made a great choice to build a career in life insurance.

  • Tan Soon Vee

    Reply Reply July 17, 2009

    The best investment is to invest ourself means that to improve our knowledge in a particular industry !!! Knowledge is our most valuable asset according to Bestsellers Azizi Ali !!! lol 🙂

  • Dina Talib

    Reply Reply July 25, 2009

    I agree with Tan Soon Vee above. Invest in ourselves should be our main priority. I got that advise from two sifu of mine, Azizi Ali and T Harv Eker. I am a better person because of that and I am better informed about investment. For me as an employee, Internet Marketing is the most suitable one for me in achieving passive income.

  • Jonjee

    Reply Reply August 3, 2009

    From hindsight, I think I have not made any really wise investment. Most of those that I made some marginal gains have been wiped out by that dastardly runaway inflation. I went into the stock market in the 80s and was beaming from one end of my mouth to the other when stocks soared but had to whimper away with loses when Iraq attacked Kuwait. Since then, I have only been a sahdow of my real self as far as stocks are concerned.
    Friends who went into the property buying houses in SS2 and Tun Dr. Ismail are having the last laugh and so are those who bought cheaply into palm oil plantations before prices shot through the roof. It has come to stabilising levels now. Even in buying unit trust, I did not sell when the ING managed Asiapac Fund touched a return of 29% in its first year. Today ,just last month I got the return of barely RM400 for a three year investment period. Compared to the prevailing interest rates, I lost a further RM100. Might as well have kept in in a fixed deposit account. I bought and liquidated insurance policies. I bought into foreign insurance policies. I bought into scholarship annuities. All are going to be nothing when it is time to use them.The fortunes of man. For some the Gods doth sweetly smile upon. Poor underdogs will have to hold the hot bricks until we reach Holland! The poor house awaits!

  • KL LEE

    Reply Reply April 15, 2010

    Hi KC,
    I got the book last week and enjoy reading it.
    I am a beginner and I am listing out what you mentioned on Chapter 3 – things you can do to increase your income.

    Just wondering how can BONDS do that for me and how to purchase or can we purchase from Fundsupermart.com ?

    • KCLau

      Reply Reply April 19, 2010

      You can invest in bond fund through Fundsupermart.com

  • Bernard

    Reply Reply January 6, 2012

    I’m years of age in college but don’t think its for me. Any how I stumbled on this when I googled “why rich people read alot” lol well my best investment right now I believe is time. I would like some advice on that. I want to be an animator and I am self-teaching my self since I couldn’t afford animation schools.

  • Mei Ling

    Reply Reply March 24, 2013

    Now I’m 33 years old. I’m planning to to be part time unit trust consultant. Can u give me some advice on how to success in this business??

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