In life, besides working hard for money, you have to also ensure money work hard for you. This is especially so in this era of low saving interest rates. Currently the inflation rate is about 4 to 5% in Singapore and the bank saving rates are below 1%. So effectively, your purchasing power is eroded. So how do you go about beating the inflation and make sure that money is not slipping away from the pocket? The key is to invest your money correctly. When I meant investing, I do not mean that we should immediately  take out all our money from the bank and start investing in various financial instruments. Rather, we should do our homework first before making any moves. Always remember the mantra "Don't be in a hurry to lose away your money". I always believe that there is a systematic approach to investing and that laying ......