The company that I am currently working for in Tokyo has a cafeteria that serves free lunch to all employees, hence during lunchtime, we would get together for lunch and chat. Occasionally, the topic about money management would come up, and to date, I have yet to find a Japanese colleague who invests in the stock market, citing reasons of either finding it too risky, lack of knowledge, or more commonly, both. They would instead keep their money in the bank that gives virtually zero interest. In fact, banks in Japan charge you for withdrawing your own money from the ATM! However, the habit of keeping money in the bank is not unique to Japan because even in Singapore, I personally know quite ......