1. What is the investment risk level of both individuals? 2.Who is a wise investor? Encik Siva or Encik Samad? Justify the answer. 3.Before an individual invests in real estate, what are the factors need to be considered?

The following are two investors who invested their gratuity. Encik Siva received RM550 000 as gratuity from his company. He saved RM100 000 in a fixed deposit account at a commercial bank with an interest rate of 5% per annum. He also bought share units worth RM100 000. At the same time, Encik Siva bought shares in Terus Maju Company worth RM100 000. The balance of the gratuity is used to buy a medium-cost apartment in Kajang and receives a monthly rental of RM1 000. Encik Samad received RM550 000 as gratuity from his company. He bought a double storey shop in Puchong, Selangor and receives a monthly rental of RM3 000