Getting started on investing can be a pretty complicated process. As many of you regular readers would know, I started taking interest on how to make my money work better for me after I saved up $20,000 last year. After all, simply keeping your money in the bank is a foolish thing to do because your money decreases in value over time, due to inflation and rising costs of living. As your parents would tell you, $100k in the past could buy you so much more than $100k today.

I’ve to confess that SGX has made it a lot harder for people to start investing by implementing various measures, in order to ensure that those who invest have the prior knowledge of the risks they are getting themselves into and are qualified to invest.

But if you really want to make your money work for it (and beat inflation rate), …