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Hey There,


So you’ve been working for some years now and have done well to heed your parents’ advice to save for a rainy day. But perhaps you’ve also come to realise that you know how to save money, but not exactly how to multiply it. 


Saving money and investing it are actually closely connected. And like saving, investing is a marathon, not a sprint. This life-long skill takes time and patience to harness so the sooner you start, the better you get.


Before you start looking at investment options such as stocks or unit trusts, you’ll want to address two important questions:


  • Should you invest or pay off your loans?
    Your first instinct may be to eliminate all your debt first. However, you should look at the interest rate on your loans and the potential profit you can earn from investments. If your interest rate is higher, it’s probably best to focus on managing your debt for now. But if your interest rate is much lower, it makes sense to begin investing before your debt is paid off since you have the potential to earn much more in return.


  • Do you have an emergency fund?
    One rule of thumb is to set aside at least six to eight months of living expenses to prepare for any unforeseen circumstances. Since investments are for building wealth or long-term savings goals, do not invest with your emergency fund. 


Now that you know you’re in good financial shape, here’s what you need to know before considering the type of investment you want to venture into.

Know your investment goals

Retirement fund? Further education? A new business? All these investment goals have different time periods. It’s important to identify your goals, how long it would take for you to reach it and how much you would need, before you start to invest.

Understand the risks you’re taking

You should never invest more than you can afford to lose. First assess your personal risk tolerance – or how much of your investment you can really afford to lose – before choosing the kind of investments you want to explore.

Put your eggs in different baskets

Diversify your investments rather than investing all your money into one stock or account. That way if one of your investments turns sour, you haven’t lost everything.

Seek trusted financial advisors

Information overload? If you’re still at a loss, seek council. Turn to your most trusted financial advisors – parents, guardians, or knowledgeable friends.

You can also pay a visit to a CIMB Bank near you to consult on your investment options and to learn more about how you can multiply your money through investment.



Yours Truly,



Important Notes & Disclaimer

This article is brought to you by CIMB as part of our ongoing efforts to raise the level of financial literacy amongst Singaporeans. Financial knowledge and understanding are key to making well-informed and meaningful financial decisions that will improve everyone’s well-being. This in turn, achieves CIMB’s purpose of advancing customers and society.