What to invest?

We see the regional and local stock markets fell in August 2011 and with the investment climate being so volatile now, is always best to put your money in safe investment instruments.

Invest in unit trust, will see recommendation to put money into Balance Fund, with 60% in Bond and 40% in Equity.

Invest in property is risky as the current property sale start to slow down as buyers  are more cautious to commit.

Invest in stock market, as always, do research on the company, study annual report, recent company annoucements, debt position, and potential growth.

Buy insurance policy, and sufficient medical coverage and protection. Consider a savings plan.

Fixed deposit, is critical to have some current assets for emergency use. Look for the best FD interest rate. This is the first fund for oneself before venturing into other investment instruments.

Last but not least, know your own risk appetite.

Home Breeding Discus

I have several pairs of discus which started to lay eggs. The eggs will hatch after 3 days, it was interesting to observe the discus care for the babies and moving them from one place to another in the aquarium. The success rate is really low now and hope to gain more experience in growing them.