On Monday, I was invited by SIT Investment Club to talk to "Let's Talk about Money". This is a financial literacy initiative in collaboration with Doctor Wealth.
I gave the students an overview about the different type of assets to get started on their investment journey. We also looked into real life examples of different kinds of stocks, such as growth stocks, income stocks, speculative stocks, and how to avoid the pitfalls many investors made so that they can start off in the right way.
To encapsulate my points in one picture, I showed them an illustration of a hamburger. It sums up how they can start building their portfolio with sound asset allocation.
Instead of diving straight into stocks, a young investor can consider starting with a saving plan which gives predictable returns to form the foundation of their retirement income.
Insurance is key to and should be budgeted well so that it gives adequate protection and also leaves them with sufficient cash flow to pursue their personal growth.
Finally, when they have accumulate sufficient capital, they can look into deploying their funds into a portfolio of stocks, bonds etc.
Knowledge is power! I hope all of us will continue learning every day.
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