Growth function

Passive Income: Achieving Financial Freedom

In today’s fast-paced world, achieving financial freedom is a goal many aspire to but few achieve. One of the most effective ways to attain this freedom is through passive income. Understanding Passive Income Passive income refers to earnings derived from activities in which the earner is not actively involved. Unlike traditional employment, where income is …

EPF Basic Savings Update: 2024 Recommendation

Employees’ Provident Fund (EPF) has introduced its Retirement Income Adequacy (RIA) Framework on 12 December 2024. The RIA is set to launch in January 2026 but some details are already released. RIA Framework The RIA framework allows members to set savings targets that reflect different retirement lifestyles and aspirations. This approach emphasises the importance of …

Asset Allocation: The Make-or-Break Factor of Investment

Asset allocation is a cornerstone of successful investment strategy, often regarded as one of the most critical choices an investor can make. In the complex world of investing, where markets can be unpredictable and volatile, having a well-thought-out asset allocation plan is essential for balancing risk and reward. We will explore the significance of asset …