There’s a popular English proverb saying: “Look after the pennies and the pounds will look after themselves.” In another words, if you concentrate on saving small amounts of money, you’ll soon amass a large amount.

When it comes to investing for retirement, this can’t be more true. We never learn to plan our retirement in school and it is hardly anybody’s dream to build a retirement portfolio. The truth is, most of us wake up one day and say, “Gosh, I need to do something for my retirement.”

Make sensible investment decisions becomes harder and harder in today’s age, the financial predators no longer need to hide things from you, they just overwhelm you with facts, so you don’t know what is important and what is not. – Ivan Guan

Naturally, very few of us are prepared for investment nor to have the luxury to start our retirement …