2. THE SAVING HABIT Make your saving automatic INCREASING YOUR NET WORTH Your investment goals Investment risk and return Don’t put all your financial eggs into one basket TYPES OF INVESTMENT Cash and Fixed Interest Investment Shares Unit Trust Funds Property Bonds REITs

3. FINANCIAL SCAMS  Promise high return with little or no risk  The offer is for limited period and asked you to sign up immediately  Scheme is in another country (cannot check on its status)  Asked to provide confidential information, e.g. bank account number  Asked to deposit money to meet the processing and administrative fees

4. Common Forms of Scams include: Pyramid schemes; Advance fee fraud Misleading investment seminars (promoting high-risk investment schemes); Property Marketing Scams; False Billing; Email internet banking scams; Medical scams (miracle cures, weight loss scams); Self-employed scams (work- from- home offers

5. Stay away from opportunities that sound too good to be true Avoid any company that predicts or guarantees large profits Be wary of remitting cash on the Internet or by mailremitting Be sure to get the company’s performance track record Ask questions and do not commit immediately Browse websites of BNM and SC for clarification Tips on how to avoid getting involved in financial scams

6. Six months Living expenses Savings and/or FD FD, ASB, ASN and/or Unit Trust Real Estate Blue Chip Shares Exotics Forex/Commo Risk Level Investment Portfolio Guide Investment Instruments % 3-5 10-15 20-40 50-70 20-30