INTRODUCTION

An investment is an asset or object purchased with the intention of earning revenue or

increasing in value. An increase in the value of an asset over time is referred to as appreciation.
When a person buys a thing as an investment, the intention is not to consume the commodity
but rather to utilise it to build wealth in the future.An investment is usually the outflow of some
capital today – time, effort, money, or an asset with the hope of a stronger payoff in the future
than what was previously put in. For example, an investor may purchase a monetary asset today
with the assumption that it will produce income in the future or that it will be sold at a better
rate later for a profit.

The act of investing seeks to generate income and increase value over time. Any method
utilised to generate future revenue can be referred to as an investment. This involves, among
other things, the acquisition of bonds, equities, or real estate property. Purchasing a property
that may be used to manufacture things can also be considered an investment. In principle, any
activity made with the intention of increasing future revenue might be considered an
investment. For example, while deciding to seek further education, the objective is frequently
to gain knowledge and abilities. Although investing is focused on the possibility of future
development or income, every investment carries some amount of risk. An investment may not
provide any income or may lose long-term value. For example, there's a chance you'll invest in
a firm that files for bankruptcy or a project that never gets off the ground. This is the key
distinction between saving and investing: Saving is the process of amassing money for future
use with no risk, whereas investing is the act of leveraging money for a potential future benefit
with some risk.

Nowadays, various types of contributions are conceivable from financial institutions,

as well as contributions from non-financial institutions. As contributors, we must be smart in
choosing the finest contribution to ensure that future planning becomes more efficient and
accessible. EPF, ASB, ASBF, and PEKESO are among the finest contributions in Malaysian
banks, whereas gold, takaful, and even insurans are among the top non-financial institution
contributions.
1.EMPLOYEES PROVIDENT FUND (EPF)

The Malaysian EPF was formed in 1951 under the National Director of Posts, in
accordance with the Employees Provident Fund Ordinance 1951. This became the EPF Act of
1951. The EPF Act 1991 was passed in 1991, following the EPF Act 1982. The Employee
Provident Fund Act of 1991 mandates employees and companies to contribute to retirement
savings and allows workers to withdraw their savings at retirement or for specified purposes
before retirement. EPF has 13.6 million members as of December 31, 2012, with 6.4 million
active, contributing members. EPF had 502,863 contributing employers as of the same date.
While in savings, a member's EPF funds may be utilised as investments for enterprises judged
lucrative and permitted by the organisation, with earnings sent into corresponding members'
accounts. Members may also use their EPF funds to make their own investments; however,
such actions are not covered by the EPF and members are personally liable for any losses
incurred.

As a retirement plan, money collected in an EPF savings account can only be released
when members reach the age of 50, at which point they may withdraw only 30% of their EPF;
members 55 and above can withdraw 100% of their EPF. If a member dies before retirement,
the EPF money is transferred to a selected individual. Withdrawals are also allowed if a
member plans to emigrate, becomes incapacitated, or requires life-saving medical care.
Members over the age of 55 can opt not to take EPF savings immediately and instead withdraw
them later, while employers can contribute up to 12 percent of members' income at their
discretion under current criteria.

Since January 1, 2007, a member's EPF funds have been divided into two accounts,
each with its own portion of savings and withdrawal options. The first account, named
"Account I," holds 70% of the members' monthly contributions, while the second, dubbed
"Account II," holds 30%. Account I prohibits withdrawals until the member achieves the age
of 50, invests in unit trusts to supplement retirement funds, becomes incompetent, leaves the
country, or dies. However, withdrawals from Account II are authorised for down payments or
loan settlements for a member's first home; schooling and medical costs; investments; and the
period when the member reaches the age of 55.
2.AMANAH SAHAM NASIONAL BERHAD (ASNB)

Amanah Saham Nasional Berhad (ASNB) established ASB on January 2, 1990, for all
Malaysian Bumiputeras. The fund's goal is to provide an alternative savings vehicle for
Malaysian Bumiputeras. It seeks to provide investors with long-term, stable, and competitive
returns. As a result, ASB was created as a fixed-price equity income fund, with a unit price of
RM1.00 and no sales or redemption fees. ASB has an input limit of RM200,000, which means
that investors can only raise their investment amount until the input limit is reached. The fund,
however, has no maximum limit on the account's value. As a result, capital gains kept in the
ASB account may lead the total amount in the account to reach RM200,000. Investors might
choose how much they will invest at any moment and can top-up or subscribe to more units
through the applicable ASB agents. ASB's dividend is issued yearly but calculated monthly
depending on the month's minimum amount. Apart from having guaranteed capital, ASB has
never provided returns below 8.5 percent per year in the past. You can invest in ASB through
two categories of approved agents: banks and non-banks. The ASB fund's agent banks are such
as Maybank, RHB, CIMB, Affin Bank, Bank Muamalat Malaysia Berhad, Hong Leong Bank
Berhad, Hong Leong Islamic Bank Berhad, Bank Simpanan Nasional, Alliance Bank and also
AmBank.

Pos Malaysia is the sole non-bank agency.Most agent banks now offer online banking
services to ASB investors who want to top up or subscribe to extra units for their ASB
investment. Investors can also invest on behalf of a third-party ASB account using internet
banking. Pos Malaysia, as the sole non-bank agent, has partnered with various banks to provide
Shared Banking Service (SBS) in the majority of PosNiaga's shops. As a result, investors may
check the status of their ASB fund application approval status via the kiosk service available
at PosNiaga shops throughout Malaysia.
3.GOLD

Physical ownership of investment gold and other precious metals and maintaining it
privately outside the banking system accounts for at least 10% of your monetary value. These
gold investments will always have quick liquidity, even if the country is going through an
economic crisis that prevents you from accessing other assets. There is no better method of
upkeep. There are, of course, various perspectives and concerns relevant to your own
circumstances. Another point of view on how much gold to invest in is to employ a four-part
method of gold, bonds, stocks, and cash.

However, a personal study of gold investors in certain significant nations, such as

America, reveals that 30 percent of them allocate 80 percent of their wealth management
portfolio to gold. Such a decision is not taken lightly. What occurs in your environment might
be as essential as what happens in your life and money. For example, in 2002, the globe was
experiencing a credit-bank deficit crisis. At the time, financial gurus encouraged their investing
customers to invest up to 50% of their assets in actual gold. This demonstrates how terrible the
financial situation was at the time.

Nonetheless, many of the world's gold investment specialists believe that the global
financial situation is worse now than it was in 2002. Wealth preservation is more important
than ever. Many investors wonder what percentage of their financial assets should be held in
actual gold. Some investors who are deeply concerned about the financial system own gold in
proportions ranging from 60% to 80%, including silver investments.

However, you do not need to be greedy; keeping at least 10% of your assets in gold will
assure the safety of your financial portfolio. Gold investors should decide for themselves what
percentage of gold they are comfortable with. Investments in gold or other precious metals
such as silver, according to international financial experts, should be adequate to cash in if
there is a financial system crisis that prohibits access to other investments or makes it hard to
collect cash from other assets. The important thing to remember is that gold and silver are
money and can be easily liquidated immediately. Throughout history, in every country where
there has been a serious financial crisis, gold and silver have always served as money or barter.
Gold may assume four fundamental roles in your wealth portfolio [1]Source of long-term
returns, [2] A source of diversity that helps lessen losses during market difficulties, [3] Liquid
assets without the risk of debt have outperformed fiat currencies and [4] Use strategies to boost
the overall performance of your financial portfolio.
4.TAKAFUL

Various types of investment possibilities are accessible all around the world. Investing
in the stock market, purchasing shares in your partner's firm, or even purchasing properties for
rent or sale all have the potential to double your money. The first and most fundamental
motivation for investing is to make more money. There is no question that each investment has
its own set of hazards. In general, the greater the return on investment, the greater the risk. As
a result, the likelihood of making a large profit is equivalent to the likelihood of losing all of
your money. Many of us don’t have the money in the thousands or hundreds of thousands to
make a big investment. This may be great as well as there is less inclination for prospects to
invest prospect’s money in high -risk markets. However, the return prospects get from savings
in a bank account is low or no return at all. One safe, regular and affordable way of investing
that prospects can consider is by subscribing to an investment -linked Takaful plan. Prospects
can not only reap the return on investment from low monthly contribution payments but also
get protection as well as financial security for yourself and your loved ones.

Investing in an investment-linked Takaful plan is simple and inexpensive. Whether

prospects contribute monthly, quarterly, or once a year, prospects money will be split into three
parts:

1) A part of the funds will be invested in the Tabarru' fund,

2) Wakalah payments or Takaful operator fees, and

3) The remainder will be invested in a Shariah-compliant investment-linked fund of

your choosing.

Prospects cannot make withdrawals from the Tabarru fund, as contributions to this fund
will be used to pay all benefits and claims, including claims for hospital treatment bills as well
as grants. The prospect’s investment can be withdrawn after meeting certain conditions. These
conditions include maintaining a minimum withdrawal amount and balance in the investment
account. This minimum amount depends on the type of investment linked fund selected. Of
course, if prospects don’t make any withdrawals and the longer the fund is invested, the higher
the cash return will be generated.
 Survey Of Investment Involvement In Various Instruments Amongst Malaysians

1.What is your age range? 4.Which is the best sort of investment?

 20 to 30 years old  EPF
 30 to 40 years old  ASNB
 41 to 50 years old  Gold Investment
 51 years old and Above  Takaful

2.Gender 5.The most profitable investment for you?

 Female  EPF
 Male  ASNB
 Other:  Gold Investment
 Takaful

3.Which investment type is your choice? 6.Which investment is safest to ensure your
future becomes more organized?
 Employess Provident Fund (EPF)
 Amanah Saham Nasional Berhad  EPF
(ASNB)  ASNB
 Gold Investment  Gold Investment
 Takaful  Takaful

This form was distributed to 10 respondents randomly.

RESULT FROM 10 RESPONDEN RANDOMLY

This form was found to have been completed by the majority of respondents aged 20 to 30
years; the table above shows a total of 90%, which equates to 9 out of 10 respondents chosen
at random. Meanwhile, another 10% of respondents between the ages of 31 and 40 years old,
or one out of every ten, were polled.

2.

The graph above depicts the percentages of male and female respondents in this survey.
According to the graph, female respondents are more likely than male respondents.
According to the chart, as many as 60% of female respondents and 40% of male respondents,
or the equivalent of 6 female respondents out of a total of 10 respondents, While there were
four male replies out of ten total respondents, This is because, in comparison to males, many
women have professions that inspire them to contribute.
3.

The graph above shows the number and percentage of respondents who made the best
contribution choice for themselves whether EPF, ASNB, gold investment or Takaful. The
graph found that the highest respondents are those who choose epf contribution which is 8
people out of 10 total respondents. That is equivalent to 80% of respondents who chose epf as
their preferred contribution. Meanwhile, the least contribution option chosen by the
respondents is the gold contribution which is only 2 respondents equivalent to 20% of the 10
total respondents who chose the gold investment as their preferred contribution.

4.

The graph above shows the number and percentage of respondents who made the best sort of
investment for themselves whether EPF, ASNB, gold investment or Takaful. The graph
found that the highest respondents are those who choose EPF as the best sort of investment
which is 8 people out of 10 total respondents. That is equivalent to 80% of respondents who
chose epf as their preferred best sort investment. Meanwhile, the least best sort investment
opption by the respondents is the gold contribution which is only 2 respondents equivalent to
20% of the 10 total respondents who chose the gold investment as their preffer the best sort
investment.
5.

The graph above shows the most profitable investment options chosen by the respondents.
The graph records that the most profitable investment chosen is the EPF contribution
recorded a choice of 70% or the equivalent of 7 respondents out of the total number of
respondents which is 10 respondents. Meanwhile, the graph above shows that gold
investment is the least selected which is only one or equivalent to 1% of the total number of
respondents which is 10 people. This is said so because, all employers in malaysia are
required to open an epf contribution account for employees to contribute to the epf. This epf
contribution will be paid by the employer and a deduction of 11% or 9% of the employee's
total salary will continue to be contributed to the employee's account. Therefore, it is fitting
that this epf contribution proves to be the most profitable investment.

6.

The graph above shows which investment is the safest to ensure your future is more orderly
which was the favorite of 10 respondents selected at random. The graph above proves that
Amanah Saham Nasional Berhad is the safest investment to ensure your future is more
orderly than EPF which is 60% or the equivalent of 6 people out of 10 people. The total
number of respondents chose ASNB as the safest investment to ensure your future. more
efficient . While the respondents who chose EPF as the safest investment to ensure your
future becomes more orderly is only 50% or the equivalent of 5 respondents out of 10 total
respondents randomly selected by the researcher. This is said so because, ASNB has a high
annual interest rate and can guarantee the future of investors.
CONCLUSION

Based on this study, it is proven that the best savings are EPF and also asnb which is the most
preferred choice of contributors. This proves that. member's EPF funds have been divided into
two accounts, each with its own portion of savings and withdrawal options. The first account,
named "Account I," holds 70% of the members' monthly contributions, while the second,
dubbed "Account II," holds 30%. Account I prohibits withdrawals until the member achieves
the age of 50, invests in unit trusts to supplement retirement funds, becomes incompetent,
leaves the country, or dies. However, withdrawals from Account II are authorised for down
payments or loan settlements for a member's first home; schooling and medical costs;
investments; and the period when the member reaches the age of 55.Wherese,investors might
choose how much they will invest at any moment and can top-up or subscribe to more units
through the applicable ASB agents. ASB's dividend is issued yearly but calculated monthly
depending on the month's minimum amount. Apart from having guaranteed capital, ASB has
never provided returns below 8.5 percent per year in the past. For the sake of guaranteed time,
we must wisely manage money. Therefore, we have the right to choose the best contribution
for a bright and orderly future.
REFERENCE

Adam Hayes, 20th.August.2021. Investment. Quoted by

https://www.investopedia.com/terms/i/investment.asp

WIKIPEDIA The Free Encyclipedia, 27th April 2022. Qouted by

https://en.wikipedia.org/wiki/Employees_Provident_Fund_(Malaysia)

Loanstreet, 22 february 2022 , ASNB by https://loanstreet.com.my/ms/pusat-

pembelajaran/amanah-saham-bumiputera-dijelaskan

Mohd Zulkifli, 25th October, 2011, Gold investment, by by

https://www.mohdzulkifli.com/simpan-emas

PruBSN, (2022) What is Takaful? by https://www.prubsn.com.my/ms/takaful-

articles/takaful-tips-upsides-when-investing-in-takaful/