Managing Money

I have been looking for the place to put money for the past few weeks. I have been through few reading on financial planning, investment, including property investment, and also stock market. As I consider of a newbie in this area, I do lots of reading to figure out what is the best investment tools, which can maximizing my money there. Then, I found out few options as per following:

1) Unit trust... less risk investment. In Malaysia, there are so many unit trust fund exist. I have to choose the best fund to maximize my return. For me, the criteria that I always put when evaluating one fund with another fund is:
- agent himself, part time or fulltime. I preferrably fulltime agent, as he will commit more than what part-timers do. I will also choose the agent who know to advise me where to put the money in, as I dont have time to think of it on my own. I am not against any part-timers, as me too start of the business as part time, then change to full time. The thing is, part timers must have full-time mentality, taking care of the customer 24hours a day as you are full time.
- past time record. Normally past time tells the future. If the fund perform well for the past few years, so better I go in that fund.
- the cheapest price. I prefer go to the unit which offers the cheapest price, yet in the category of aggressive. Unit trust investment is a long term investment, and I strongly believe that the price gonna hike up after 3- 5 years. Just imagine, if 1 unit = 15 cent, can u imagine how much i will make if the price went to 1 unit = 70 cent, with 100000 units in my hand?
For the time being, I already invested in 2 funds.. long term investment.

2) House investment... high risk investment, yet most profitable investment. I have a friend who make profit 132% within 5 months invest in a house. It required big investment, and of course very big return. But, if I step at the wrong path, of course I am going to end up with lots of lose.
Last few weeks i went looking for a few houses in Seremban and KL area. From my observation, to invest in property and to ensure i have return on it, I must consider few things:
- area / location, where my property locate at. This play important role as i need to look up for tenant. The location also determined how much my profit gonna be.
- the price offerred must 20% less than the market price. It is not a good investment if I buy the asset through agent with the price more than market price. So, try not to buy via agent. The other way, is by finding a house which been auctioned. The price is guarantee low than market price. Lots of work to do here
- not buying a terrace house, but apartment. Remember that the house is not for me to stay in, but for tenant. The Malaysia's trend is ppl is always looking for an apartment. Why? Security, lifestyle, easy to manage, ect...

3) Stock market... good for long term. Fast profit, high risk investment. Better start to invest now. Most of the major stock price goes down.. but if u have a heart problem. Better not to go this kind of investment.

4) Buying another account in Quest Net.. very worth to put money in, double up income, more profit, more money, more to invest.. =)