Look around you. There may be money-making opportunities. But the environment is cluttered with various schemes – some are dubious and raise suspicion. Flip the papers and you see an advertisement promising you double-digit returns with an investment that needs little effort. Surf the internet and there are many online link-ups informing that you can earn a 4 digit income within a few days by working from home. I prefer to pursue something that’s credible and pragmatic. In 2015, the chances are here! Do note that the options regarding investment are purely recommendations. Every individual has their personal risk appetite. Please assess the disadvantages and advantages carefully. 1. Stock market Not many will agree this approach - I will focus on companies in cyclical trade. In the past weeks, the share prices of property-related, oil & gas firms are beaten down due to weak macroeconomic conditions such as declining oil ......