This is a question from a reader:
I hope you can assist me on quite headache situation. First of all I have around RM 500K and i would to look into some capital guaranteed investment, where giving me a monthly return 3 -5% monthly return like salary.
You can get very low return with capital guaranteed
It is really a tough question to answer. There are a lot of capital guaranteed fund available in the market. Most of them is within the time frame of locking in your investment capital for at least 3-5 years. The concept is that the fund manager invest big portion (80-90%) of the capital in fixed and guaranteed deposit. This portion will so-called “guarantee” your capital if you keep the fund until maturity a few years later.
Meanwhile, the remaining 10-20% will be invested in riskier investment, normally in stock equity. This portion will provide the potential upside of getting a better return rate compared to Fixed Deposit and normal saving account.
As you can expect, it is really “capital guaranteed” if you are able to live with low return.
So, is there any way to get 3-5% MONTHLY return?
Yes and no.
I would say “no” if you are looking for some investment vehicles where you just put the money there, forget about it, and wait for the paycheck every month.
However, when there is a will, there is certainly a way. Not just a way, but many ways. It all comes down to having the best investment of all time. And YES, there are many people who are making that kind of high return monthly. Most of them are in businesses. They have total control over their investment. They know how to minimize the risk. They know how to keep their capital in tact. They also know how to invest with other people’s money. The main point – they are the best in what they do.
What do you say? Do you have any recommendation to get 3-5% monthly return?