As we reflect on the investment landscape of 2024, it's clear that the year brought a mix of triumphs and challenges across various asset classes. From soaring stock markets to the steady returns of fixed income, here's a snapshot of how different investments performed.
Summary of Investment Returns in 2024
| Type of Investments | Return (2024) | Source |
|---|---|---|
| 1)China (Shanghai Composite) | 12.7% | investing.com |
| 2) Malaysia (FBMKLCI) | 23.3% | investing.com |
| 3) United States (S&P 500) | 12.9% | investing.com |
| 4) Amanah Saham Nasional | 5.8% | ASNB |
| 5) EPF | 6.3% | EPF |
| 6) Fixed Deposits | 2.8% | Data.gov |
| 7) Mutual / Unit Trust Funds | -22.8% to 57.5% (depending on fund) | eunittrust |
| 8) Private Retirement Schemes | -12.8% to 15.0% (depending on fund) | PPA |
| 9) Property | 3.1% to 8.2% (depending on loan/tenant status) | NAPIC, IQI Global |
| 10) Robo-Advisors | 5.2% | Various |
Personally, I have 8 out of 10 from above table:
Stock Markets: A Year of Resilience
China (Shanghai Composite)
- Return: 12.7%
- The Shanghai Composite Index demonstrated resilience, reflecting China's economic stability amidst global uncertainties.
Malaysia (FBMKLCI)
- Return: 23.3%
- The FBMKLCI outperformed many indices, driven by robust corporate earnings and favorable economic policies.
United States (S&P 500)
- Return: 12.9%
- The S&P 500 continued its upward trend, supported by strong consumer spending and technological advancements.
Fixed Income and Savings: Steady and Reliable
Amanah Saham Nasional
- Return: 5.8%
- This government-backed scheme provided stable returns, appealing to risk-averse investors.
EPF (Employees Provident Fund)
- Return: 6.3%
- The EPF maintained its reputation for consistent returns, ensuring financial security for retirees.
Fixed Deposits
- Return: 2.8%
- Fixed deposits offered modest returns, reflecting the low-interest-rate environment.
Mutual Funds and Retirement Schemes: A Mixed Bag
Mutual / Unit Trust Funds
- Return: -22.8% to 57.5% (depending on fund)
- The performance of mutual funds varied widely, highlighting the importance of fund selection and management.
Private Retirement Schemes
- Return: -12.8% to 15.0% (depending on fund)
- Private retirement schemes showed mixed results, with some funds outperforming while others lagged.
Alternative Investments: Steady Growth
Property
- Return: 3.1% to 8.2% (depending on loan/tenant status)
- Real estate investments provided steady returns, with rental properties offering additional income streams.
Robo-Advisors
- Return: 5.2%
- Robo-advisors gained popularity, offering automated, diversified portfolios with competitive returns.
Conclusion
2024 was a year of varied investment outcomes, underscoring the importance of diversification and informed decision-making. Whether you were invested in stock markets, fixed income, or alternative assets, each category had its unique set of opportunities and challenges. As we move forward, staying informed and adaptable will be key to navigating the ever-evolving financial landscape.
Source: How Does EPF’s 6.3% Compare Against Other Investments – MyPF.my