Allan looked at the promotion letter that he had received and reflected on the day that he joined ABC Co. as a manager about 7 years ago. At the time, the company was languishing and was making just about enough profits, He was only 24 years old. There were numerous inefficiencies in the process and thus, costs were very high. However, due to the company's reputation, the order books were full. In fact, the marketing department was forced to go slow as the factory could not deliver enough capacity.

Allan had got down to work and actually put his hands onto some of the machines. Gradually, the company became profitable and accumulated cash and did some capital expansion. Along the way, Allan also received good bonuses which were just lying in the bank account. He had made fixed deposits on some of them. As of now, his total savings were RM121,000 out of which RM23,000 were in FDs.

In his new position as Deputy CEO, he had to look after not only the technical aspects of the factory but also the investment of the cash that the company had generated over the years. The present sum was about RM 3,000,000,000. He was also owndering how he should invest his own money.

Using the principles of the Risk, Return and Portfolio Managament, how will you advise Allan?

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