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Well, It depends on how you look at the process of returns. End of the day my money would hv multiplied over other counters while yours need to sit for a year to get 4%.
To answer your earlier deduction on putting in FD better than investing in Tenaga. So in future pls don't compare equities with FDs. Its like comparing apples with oranges.
Share investment is base on companies future potential for growth, expansion and returns. By all means stick to FD if you think they can give you safe returns for 3, 5 or 10 years.
