Invest your life..........

Recently,read an article from news. It talked about investment.
Investment..... Am i need an investment? It suppose to be.
Why life need to invest? what kind of invest is suitable for us? Which investment is the most stable?
An insurance agent will say" Unit Trust, Saving Insurance, Medical Insurance are the best among all."
A share agent will say " now invest share is the best time among in 10 years."
A banker will say " come la...... FD rate is about 2.38 per annual might be the best during the economic crisis period."
A father will tell you" stupid la...... all give me la....hahaha( just a joke)."
Investment for me is a big parts of my life.....
Invest smarter work no harder....
How we start our first investment?
Share? Unit Trust? Insurance?
As a starter, i think we should invest somethink we can see vividly.....
Firstly, we need to save our main income 30% to a saving account.
After u save enough for reserve 3 to 6 months monthly outcome, then u can start to plan the next step.
After the reserve for 6 months, u can start invest your main income to 3 buckets.
What is the 3 buckets?
First bucket is the most safety among the three buckets.... Fixed Deposit Account, Unit Trust for GOLD, Saving Insurance. In this bucket, u can use over 70% of the money to those. The first bucket should save all the money of ur investment, don put all the eggs in a basket and let it become a long term investment. It is the first bucket investment's philosophy.
Second bucket might be middle long term investment........ Mortgage Investment, Bond. Commodity such as GOLD, Diamond
It might be used 20% of ur invest money in those units. Figure out some potential units for a middle long term invest, do research before invest the related units. Try to put in a potential, one aim unit to invest. The philosophy of second bucket might be think before do.
Third bucket is a short term investment....... Share, Unit Trust in Risk, Commodity such as Red Wine, Metal, Antique, Stamps. Try to use 10% of your invest money on those, don put all your invest money in the third bucket, it might be a good return but a also a high risk investment. Philosophy of Third Bucket, the money of third bucket is not your money, it mean try to assumpted that ur money is gone.
In those invest skill, we can see through that life is about invest proper but not high risk. Money management can help u to be a Financial Freedom but not a Rich. But now day people always think that invest should be earn more and more money. Comfortable life should be aim by us. Become rich is good, but good management in money is more important.
If not, Earn RM10000 spend RM12000, is that good for everybody?