You can be your own fund manager - Part 1

One major part of personal finance is investment. Statistic shows that most people cannot rely on their CPF/EPF money to enjoy a comfortable retirement. To meet the requirement, you may end up have to save more money during your 40s-50s in order to battle for the other factors such as inflation or unforeseen circumstance.

Here, I would like to share with you how I suggest to allocate your money in to different asset classes.

First of all, you must understand your risk appetite and desire returns. As you become more familiar/experienced investor, you may ask for higher return and could take a higher risk. Most people started off investment through Unit Trusts / Insurance / REITS and moving on to invest in higher risk asset classes such as Shares / Futures / Options etc.

In part 2, I will share with you more on Unit Trusts / Insurance. In Part 3, I will share with you more on REITs. In Part 4, I will share you with on Shares and please stay tuned...