In my course of work I come across many people who understand the importance of investing, intend to invest, but are taken aback by the capital required to start.

Indeed, one needs a sum of money to start investing, to earn meaningful returns and diversify their portfolio. But it need not be an insanely large amount, and there are plans and products to lower the entry barrier for beginners, such as regular savings plan and Exchange Traded Fund.

I share my experience of how I accumulate an amount by properly managing my salary, channeling them to the different bank accounts via automated bank transfer, and spend within my means to ensure savings and investment funds are regularly put into good use.

But many people find that a chore, frown at the idea of channeling savings into different accounts and managing them. Some are rather astonished and from their expression, I …