Develop smart financial planning habits as you begin your career
Tips for financial planning and career development
About to graduate
You may consider planning on a memorable “Grad-trip” with your friends, enlivening yourself and getting prepared for new challenges when starting out
Apply a credit card that fits your spending habit to enjoy rewards from mobile payment, online and overseas spending. Make comparison before application for best-fit privileges
Choosing your first job carefully is crucial for your career development. Taking aptitude tests and personality tests to learn your abilities and interests. When facing a job interview, get prepared by understanding the company’s background. Practise as much as you can to give good first impression
Starting out your career
A payroll account is the first step for effective financial planning by consolidating your incomes and expenses at once. Remember to check out the latest banking offers regularly
Choose a right MPF plan based on your risk tolerance and financial circumstances. Consult an expert if needed to get more guidance on choosing suitable investment options
Congratulations on your first payroll! Remember to repay any student loans to reduce interest expenses before rewarding yourself
Beyond your work life
Building your wealth through various wealth management and investment options. The sooner you start your financial plan, the sooner you have a chance to achieve financial independence
Your company may offer a group medical insurance plan with basic protection, but it may not fulfil your medical insurance needs. Review your healthcare needs and financial capability from time to time and choose a right medical insurance
To borrow or not to borrow? Borrow only if you can repay!
Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the 'Principal Brochure'.