๐ฆ 1. Simpanan & Deposit
- Akaun Simpanan Bank Konvensional
- Akaun Simpanan Islamik (Patuh Syariah)
- Akaun Simpanan Digital Bank (GXBank, Boost Bank, AEON Bank)
- Akaun Simpanan Tabung Haji
- Akaun Simpanan SSPN (Skim Simpanan Pendidikan Nasional)
- Simpanan ASB (Amanah Saham Bumiputera)
- Simpanan ASB 2
- Simpanan ASN (Amanah Saham Nasional)
- Akaun Simpanan Premium Bank Rakyat
- Akaun Simpanan Skim Simpanan Persaraan (Private Retirement Scheme – PRS)
๐ 2. Deposit Tetap (Fixed Deposit / FD)
- FD Bank Konvensional
- FD Islamik
- FD Digital Bank (kadar lebih tinggi)
- FD Tenure Fleksibel
- FD Berstruktur (Structured Deposit)
- FD Senior Citizen (khas warga emas)
- FD Promosi Musim (Campaign FD)
- FD Berjangka Pendek (Short-term FD)
- FD Auto-Renewal
- FD Multi-Currency
๐ต 3. Dana & Unit Trust
- Unit Trust Konvensional (CIMB, Maybank, Public Mutual dll.)
- Unit Trust Islamik
- Private Retirement Scheme (PRS)
- Exchange-Traded Fund (ETF) di Bursa Malaysia
- ETF Patuh Syariah
- Dana Bon (Bond Funds)
- Dana Saham (Equity Funds)
- Dana Seimbang (Balanced Funds)
- Dana Pasaran Wang (Money Market Funds)
- Dana Antarabangsa (Global Equity/Global Sukuk)
๐ 4. Saham & Bursa Malaysia
- Saham Blue-Chip (Maybank, Tenaga, Petronas Chemicals)
- Saham Dividend High Yield
- Saham Pertumbuhan (Growth Stocks)
- Saham Penny Stock (berisiko tinggi)
- Saham Patuh Syariah (senarai SC Malaysia)
- Saham GLC (Government-Linked Companies)
- Saham Sektor Perbankan
- Saham Sektor Tenaga Hijau
- Saham Teknologi (contoh: D&O, Inari)
- Saham Kesihatan (Pharma, Hospital)
๐ข 5. Hartanah & REIT
- Hartanah Kediaman (Subsale / Baru)
- Hartanah Komersial (Shoplot, Office)
- Tanah Pertanian
- Tanah Industri
- Rumah Sewa (Rental Property)
- Airbnb / Homestay
- REIT Konvensional di Bursa Malaysia
- REIT Islamik (Axis REIT, Al-Aqar)
- Real Estate Joint Venture
- Crowdfunding Hartanah
๐ช 6. Emas & Logam Berharga
- Emas Fizikal (Public Gold, kedai emas)
- Akaun Emas GAP Public Gold
- Akaun Emas Maybank (MIGA-i)
- Akaun Emas CIMB
- Akaun Emas KFH
- Silver Fizikal
- Platinum Fizikal
- Barang Kemas (Emas Perhiasan)
- Emas Digital (HelloGold, Wahed Emas)
- Gold ETF / Gold Futures
๐ฑ 7. Pertanian & Ternakan
- Projek Ternakan Kambing
- Projek Ternakan Ayam
- Projek Ternakan Ikan (tilapia, keli, patin)
- Projek Ternakan Udang Galah
- Projek Ternakan Lembu (daging / tenusu)
- Projek Kelulut (Madu Lebah)
- Projek Durian Musang King
- Projek Kelapa Sawit
- Projek Sayur Hidroponik
- Projek Padi Moden
๐️ 8. Perniagaan & Francais
- Perniagaan Kecil (Kiosk / Gerai)
- Francais Makanan Segera (KFC, Marrybrown, Tealive)
- Francais Kedai Serbaneka (7-Eleven, MyNews, KK Mart)
- Francais Dobi Layan Diri
- Francais Restoran / Cafรฉ
- Francais Pendidikan (Tadika / Pusat Tuisyen)
- Francais F&B Minuman (CoolBlog, Tealive, Gong Cha)
- Francais Servis Automotif (tayar, servis kereta)
- Francais Kedai Runcit Kecil
- Francais Kecantikan & Spa
๐ป 9. Digital & Teknologi
- Blogging (Google AdSense, affiliate)
- YouTube Channel (Ads + Sponsor)
- TikTok Shop / Live Selling
- Shopee & Lazada Store
- Website Affiliate Marketing
- Dropshipping (tanpa simpan stok)
- Print on Demand (baju, mug, design sendiri)
- Trading Saham Online
- Forex Trading (Patuh syariah → broker Islamik)
- Crypto Investment (Bitcoin, Ethereum – berisiko tinggi)
๐ญ 10. Lain-lain Pelaburan Alternatif
- Amanah Hartanah Bumiputera (AHB)
- Tabung Haji
- Pelaburan Sukuk Runcit (Islamik Bond)
- Pelaburan Bon Korporat
- Pelaburan P2P Financing (Funding Societies, B2B)
- Equity Crowdfunding (pitchIN, MyStartr)
- Pelaburan Seni (Lukisan, Koleksi)
- Pelaburan Koleksi Rare Item (jam tangan, sneakers)
- Pelaburan Insurans Berkaitan (ILP)
- Pelaburan Koperasi (koperasi anggota kerajaan, koperasi sekolah, koperasi pekerja)
✨ Kesimpulan
- Konservatif: ASB, Tabung Haji, FD, MP2, REIT
- Sederhana: Saham dividend, hartanah, koperasi, unit trust
- Agresif: Saham pertumbuhan, crypto, startup, francais
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