There are lots of methods that you can use, to save or invest your money.
You can buy shares of a company using brokerage accounts. (Expect the price to rise and sell at a profit OR receive dividends).
You can go for land banking. (Capital appreciation)
You can buy properties. (Expecting to get yield from rental and capital appreciation)
You can trade oil.
You can buy country club membership and sell it later.
You can buy gold and wait for the value to appreciate.
There are really lots of ways to save and invest your money.
Lots of them.
and all of them will only be successful if you have one thing.
Yes…You just need one important trait.
One important element.
…. that is COMPETENCY.
You can only make money from shares by being competent about trading shares.
You can only make money from options trading by being competent about options trading, familiarising yourself with jargons.
You can only make money from land banking, oil trading etc2 if you are competent in it.
If not, I will say “Sayonara”.
Goodbye my friends…
You can say goodbye to your money.
The odds of losing stacked high against you.
Very high…
Friends, take my advice.
Get a financial associate to help you in the most important aspect of your life.
Your finance!
I always tell my clients that the basic fundamental of savings is saving in the bank.
The money in the bank is for your daily usage or you can also termed them as “emergency funds“.
It is also important, you set aside some money for savings in an investment linked policy to save for other purposes.
You can go for NTUC Income Ideal Plan.
The inflation rate is rising to 5% per annum.
NTUC Income Ideal Plan will help you in your accumulation of money to meet your financial objectives and at the same time also hedged your money value against inflation.
If you have additional cash, maybe your business is doing well, or your company gives you a bonus, you can just do a top up. (make your money work harder for you).
If you really have lots of extra cash, you can also get NTUC Income FlexiLink Plan.
You can invest in funds of your choices.
This is where financial associates like us can also help you to make informed decisions.
…and if you believe, you have the competency to invest elsewhere where you can get a potentially higher return, take the money and invest it to get better returns.
Example, if you are competent in options trading, and you know that you can get gains very very fast, you can take up the challenge.
You still have the comfort to think that what you are investing there is excess cash.
You still have savings with NTUC Income Ideal Plan and also investments with NTUC Income Flexilink policy.
You are investing the excess to earn a potentially higher return based on your expertise.
So my friends.
All the plans in the market can complement each other.
It can complement your lifestyle.
It can complement your investment styles.
It can complement everything.
….and before you invest in any financial instruments, just ensure that you have protection for yourself.
I will recommend a combination of NTUC Income Vivolife and term insurance to enhance your coverage.
The best investment plan in the world can fail if you liquidate it at the wrong timing.
You may not expect or want such tragedy to happen, and it will always happen when you least expect it.
So again, there is no hard and fast rule to which is the best mode of savings.
…to which is the best mode of investment.
Everything can be complemented with each other! 
9. February 2008 at 1:59 pm
I manage sales operation for a UK Landbanking company.
Lokking for web traffic and sales leads
Jack Chandler
+44 161 274 4847 +44 7899 958450