In order for you to easily comprehend your financial needs at every stage of your life, below is a short illustration you can use to manage your investment strategy:

• Ages 25 to 35 – First Career After Graduating College
  Around this age, those who recently graduated from college will start a career and earn their very first paycheck. The option to travel, buy new clothes or gadgets, or simply hang out at a nearby café with friends, will tempt them as they earn more (no longer depend on their parents). However, if we add up our daily expenses at the end of each month, the figure could be quite large. It is not impossible to save small amounts of our income to invest in order to fulfill our financial needs for five or ten years down the road such as down payments for property, wedding expenses and the cost of raising children.

  Investment strategy: Due to the high cost of daily needs at this age, paired with insufficient income, one should be wise in managing their daily expenses and setting aside investment funds. No matter how much or how little money you save, it will mean a lot to your future needs.
  You can start your investment journey with the Equity Fund and Balanced Fund, or combination between investment and life insurance, as these instruments have potentially high returns when invested in over the long-term.

• Ages 35 to 45 – The Golden Age
  This particular age group is called the golden age group, due to a person’s career journey that has now reached a manager or senior level. As the income increases, the expenses will also drastically increase with family dependency and other various daily needs.

  Investment strategy: Those in this age range who have not started investing should not wait a moment longer. Retirement will come in the next 10 to 20 years, and you would be better off prepared. Equity Fund can be an investment alternative for those who wish to invest periodically, since it does not require a lot of money.
  Acquiring health insurance, life insurance and education insurance for your family is advisable to ensure your loved ones stay protected once your productivity starts to decline. If you also happen to have some spare funds, you can start to consider investing in property such as an apartment or a house.

• Ages 45 to 55 – The Mature Age
  In this age group, some of you may have reached the peak of your career with a satisfying salary figure. Your expenses and needs may not be as great as they were in the previous age group. This is the right moment to optimize your investment prior to retiring in order for you to enjoy it in the future.

  Investment strategy: Allocate your investment funds to various instruments from the money market such as Bonds, Stock and Equity Funds. If you’re an aggressive investor, you can try to invest directly in stocks and trade them actively to accelerate your investment growth. On the other hand, if you’re a moderate or conservative investor, limit your investment to the less volatile investment instruments like Equity Funds.

• Ages 55 and Above – Retirement Period
  When settling into your retirement period, your expenses will significantly diminish as your income decreases as well. If you happen to have purchased education insurance for your child, it is possible that their college funds are now being covered by the insurance company. To pay for your daily needs, you can now completely rely on your investment portfolio.

  Investment strategy: If you’re still working or have a business, you can still expand your investment portfolio. For those of you who still invest in high-risk investment instruments, it is time to move to more moderate and conservative instruments that are able to provide you with steady income. You can start investing in Fixed Income Funds, particularly those with high-rank corporate bonds and Government Securities, or Money Market Funds, as they provide periodic interest and have a relatively low volatility.