there are too much money in our local banks, hence the low
interest rates for savings account. so its advisable to put
money in fixed deposits, (eg put in 10,000 earn just 60 for a
period of time), shares, unit trusts(beware of its sales charge
and annual management fees that eat up your investment
akin to going to casino and paying 100 for entrance fee, u already
lose 100 upon stepping in casino for instance), forex (high risks
ie winning and losing a lot), commodities etc etc.