I might not be the expert when it comes to financial advice or the best investment for your future. However, I always believe that it's better to have some saving for your future. Since I was 15, I have had invested some money in ASB. (Amanah Saham Bumiputera). Though there's not a lot of money in my ASB account, I still can use the dividends I receive every year as my emergency fund. Of course, from time to time, I have had to use the money but I always make sure I replace it whenever possible. My hubby and I plan to open Amanah Saham Didik for our daughters soon. Yup, they already have their education insurance but this investment is for other things that they might need in future. If the older generations (before us) prefer to buy properties like some land lots and houses, my hubby and I prefer to invest our money in buying shares (in ASB or ASD) and also buying insurances.
What I want to share here is just my personal opinion about saving some money for the rainy days and also for our future. I always tell myself that I shouldn't just depend on the EPF money for my retirement plan. It's better to have more than just EPF as we never know how long we can work and of course how long we are going to live. We (my siblings and I) are quite lucky when my late mom somehow invested some money in one insurance plan. Now, it's my responsibility to make sure that the money is to be used reasonably. That's why I've also invested the money in another type of Amanah Saham. I don't want the money to be depleted and hopefully it could last longer so that it's not just for us but also for our children.
Now, I'm interested to know about your plan for your rainy days? What kind of investments have you chose for your future? If there's any better plan, I would like to know too.