ASW is only Good for those have excess fund, other than invested in stock, properties etc, they still have more fund that idle in banking accounts that can be used to invest in ASW that is save & earn higher returns than normal FD.
But this may not be 'Good Idea' for those who has limited saving, esp so if this investment is your only investment that you barely have.
A rate of returns of 6% will not help to to improve your personal finance, because it's real rate of returns is not enough for U to offset the increased cost of living. (the inflation may easily exceeded 5%)
If you have limited fund, the best investment that can really help U to improve your wealth is 'Investing In STOCK'
- Earning 20-30% per year is not difficult in Stock if the investment sum is small.
- What U need to do now is TO LEARN VALUE INVESTING, & EQUIP YOURSELF WITH MORE FQ.
- SUGGEST U TO READ malaysiafinance.blogspot.com, & samgang.blogspot.com, as a starting point in learning Investing.
(Picture: Georgetown, Penang)