2 in 3 Singaporeans save no more than 20% of monthly salary

[corydorus]

Is compounded。How I wish is yearly。When saving rate is high，sooner or later the Swing will be high。
What i did is to spread into Gold（thru‘ bank）， Fixed Deposits and a little of other Currency。And hold larger Cash portion for lifetime opportunity。
Despite that， i still have high swing due to some penny holdings but i stop worrying about their price as they are very mature business。

I avoid investments that has room for easy frauds though they may sound credible。