1) Determine the ROI to achieve your financial freedom.
I set 7 % which can achieve through investing in SUNREIT, YTLREIT, CMMT, or BJTOTO.
2) Set an optimal saving targets.
I save about 35% of my salary.
3) Plan and provide for your cash flow need before investing.
I have standby a 6 months emergency fund.
4) Diversify and allocate your money.
I have diversify in 3 different asset class - 1) Property, 2) Unit Trust and 3) Equities
5) Cut under performers.
This one hard to do it, still learning.
6) Get an second opinion on any potential investment decision.
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7) Review your insurance coverage and the premium that you are paying.
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8) Develop a tailor-made holistic financial plan to identify the OPTIMAL level of financing for your needs.
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