Recently, I had a chat with some young people who have just started their journey in society, and they shared their life goals with me. Some want to buy a property early, some want to settle down and start a family, while others want to pursue their dream of studying abroad. Although everyone has a different vision for the future, they are actively saving to achieve them. In this article, I will go into detail how to earn interests beyond fixed deposits and extend the period of high interest on savings.

You may have heard of ROI (Return on Investment), but might be unfamiliar with IRR (Internal Rate of Return). Both are indicators used to calculate returns, but what is the basic concept of IRR? How does it differ from ROI? How is it calculated? Today, let me explore this indicator with you and help you understand the actual value of your insurance policy!

With the cost of living and child-rearing on the rise in recent years, sound financial planning is now more essential than ever, whether you’re a couple or living in a multi-generational household. Everyone should establish clear and achievable savings goals as early as possible, in order to build a financial safety net for the family. Today, let me share with you some practical tips on family budgeting and saving, so you can better prepare for the future!