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As companies have annual budgets and profit target - so must individuals (and families) have annual savings goals. "CHARLES FARRELL"
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Direction of cash flows define assets and liability. An asset puts money in your pocket. A liability takes money from your pocket - ROBERT T. KIYOSAKI |
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Investing is not entertainment. It is an responsibility. It is not supposed to be fun or interesting - but an continous process - CHARLES D. ELLIS |
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Betting on hot sectors (emotions) and paying heavy costs (expenses), can be a double whammy - John C. BOGLE |
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| Top 10 |
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| SAVE : |
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| Its not what you earn - its what you keep. Pay yourself first: Set up a regular monthly savings plan. |
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| Diversify |
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| over different asset classes and over time. |
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| Focus on Fees: |
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| Over time these can be the key differentiator |
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| Pay down Your Debt |
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| (Mortgage - Not an investment but a home. Try and pay back early in a prudent manner). |
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| Life Insurance: |
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| Separate your Insurance and your investments. Buy Term Life (and save the rest). |
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| Annunities: |
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| Balance your portfolio to ensure you still have other assets to provide liquidity and some long-term growth |
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| Retirement: |
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| Inflation Your # 1 Enemy. Need to balance safety with growth. |
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| Build Your Personal Road-map: |
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| Track and rebalance regularly. And stay invested through business cycles. |
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| Ensure your critical financial documents are updated and uncluttered/ easy to access. |
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| Rule of 72 |
A simple tool to know the time (or rate)
it takes to double your money. More.. |
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| Sep 2014 |
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- Op-ed : Business Times (Singapore)
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| JUL 2013 |
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- Blog page on Business Times Singapore
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| March 2013 |
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- NEW: Blogs & Articles – with links to online articles.
- Updated: Home Page – Register to receive updates & Whats New
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| June 2012 |
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- NEW: Individual Stock Investing.
- Updated: LINKS – Videos and Books.
- Added: ClustrMaps
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| Sep 2011 |
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