Chap+1-Introduction

 **1.1** **Background Information** Investment is one of the ways to gain some profit or return either in short terms or long one. Investing is different from saving. Saving is a passive activity, even though it uses the same principle of compounding. Saving is more focused on safety of principal (the amount to start out with) and less concerned with return. The focus in investing is on return and can run the spectrum from conservative to very aggressive in terms of risk. One way to measure results is by the expected return weighed against the anticipated risks. Investing is a conscious decision as it is about making plans for future so that one can cope with expensive events such as retirement, weddings and maybe for future children. However, it seems like there is a number of lecturers that lack of understanding about the term investment and do not practice investment. Thus a study is conducted to investigate the awareness of lecturers' understanding towards investment and how do they manage their finance and fund.

Following are the several terms used in our study. i) Lecturers: Lecturers that are employed at University of Malaysia Pahang (UMP), Gambang Campus. ii) Investment: Investing of money or capital in order to gain profitable returns such as interest.
 * 1.2** **Definition of Key Terms**

i) What is the awareness level of lecturers’ understanding of investment? ii) How do lecturers manage their investment? iii) What are lecturers’ opinions in how to improve the investment?
 * 1.3 Research Questions**

i) To find out the awareness of lecturers’ understanding of investment. ii) To find the common methods that lecturers use to invest. iii) To get lecturers' opinions in how to improve the investment. 
 * 1.4** **Objectives of the Study**