Let Your Money Work For You

Investing is very important. It helps sustain the development of the country's industries and economy. When an investment is made, it helps a company produce more. With more production, the economy grows. When an economy grows, there's mone money to go around - the very meaning of the word "prosperity". On the individual level, having money earn more than just interest definitely relieves a good chunk of the stress in your day-to-day life. There's comfort in knowing that you have a fallback plan, and that you're actively planning for your future. But we don't explore this, because investment is alien to us, that it's too risky, or it'll take up too much time, and that we need the money handy in case of emergencies.

So I put 10 percent of my salary into savings account, and hope that is enough. Nowadays it isn't. The burden of retirement is on us, not the government of the company that we've served long years toiling away for. Since we can't work three full-time jobs to ensure that our income will sustain us from cradle (our children) to grave (ours), the urge to incubate a nest egg becomes strong, even irresistible. But where does one start? With so many investment options out there - no, your CASA or checking and savings account does not count - it's intimidating just choosing which t study.

In the industry there is a saying, sell in May then go away. Come back around September or October. A lot of market moves because of foreign fund managers who go on summer vacations starting June. By then, they don't have any of their holdings anymore. These guys are back around September, October, and they have the really big money - they drive the market up or down. So usually, sell in May before they go on vacation then buy when they come back.