101 in Small Investment

101 in Small Investment


I had seen many people saying that they are keeping money in the bank or some even investing in blue chips. So what is the good way to invest?

Frankly, there are many ways to invest. It all matters if you want the fast way or the slow and steady way. I have listed a few methods on investing, how fast you are able to see your returns and how do you start them.

1. Currency Investment (speed: fast)

I would always classify currency investment as a fun way of earning side income. You would need to be active in the world news and make a simple cart (or data collection) roughly one month at least at least. With the data collection, you will be able to check on how that particular currency goes and how it fluctuates. Always remember that currency value is determined by the country economy, politics and its surroundings. For example, war or natural disaster will drop the value while if that particular country is doing good and growing in economy, the currency value will go up. I would consider this is my favorite investment as since we are investing into currency, we will never experience losses since currency will always have value.

2. Shares Investment (speed: fast)

Investing in shares is the same with currency investment. You got to be active and always believe in your data. However, there is a twist in it. Try on share investment if you have someone to guide you. Going in blindly or even for the first time (regardless if you have read and follow the market for months), will end up in a loss. Normally there will be an ‘assistant’ ready for hire (of course with a fee) but if he or she is giving you more losses due to multiple bad calls, it is time to move on and find another one!

3. Fixed Deposits (speed: average to slow)

‘Banking at its best’- I just love this tagline. Okay back to the story. Normally whenever you invest in Fixed Deposits, the bank will require you to have at least a minimum amount. Fixed Deposits interest is calculated on how long your term is (may vary according to different countries). Normally first to three months term is about the same interest where longer than that and you will gain higher interest. Redrawing the money out earlier than the dateline of the term will forfeit the interest. So invest into Fixed Deposits after you do your financial planning.

4. Saving account (speed: slow)

Let’s go back to basic. Saving account is still one of the most used investments but due to the ‘no string attach’ condition, we will usually earn very less interest. However it is one of the safest ways since our money is there and we can use it anytime during times of need.

5. Investing into companies (speed: extremely slow)

Have you ever notice big and famous companies are looking for share partners lately? This is indeed a growing trend. Many people would consider this a risk but if you really look into detail, you are placing money into good hands. First and foremost, do your research. Check on the company portfolios and scout around. Let me give you an example. I know a particular company called X which is an international school brand open nearly everywhere in my country. They have their own books, lesson plans, teachers and trainers. So if they are so big, what do they need us for? They are growing so fast that they need people who are willing to invest $10,000 and above to give the company X to start a new school. Location, manpower and the rest of the amount needed to start up the school will be borne by the company. So they will run the school, administration and everything else you can think off and you are given a fixed pay monthly. The best part is you are actually one of the co-owners of that school. You don’t have to sit in the office daily to follow up on matter. You could even relax at your home while waiting for them to bank the money into your account. So what’s the catch? Simple! Every business would need time to start and earn more money. Don’t expect to earn a lot of money for the first one year. After that, you are guaranteed to get even more salary as the business picks up.

As you can see, every one of the above have risks, pros and cons. Before investing at anything, always do your research and find out what is the best that suits you. Do not take decision on your own. Instead consult your love ones, family or friends even before doing anything. You could even Google for more information and be sure before investing. Good luck!