I am starting on a plan to implement passive investing for my fiancee to put her stash of savings to better use.

It is rather amusing to find out that her perception of investment is to park the money in a bank fixed deposit account to 'earn' the interest. It is even funnier to know that my fiancee do not really mind seeing that stash in bank accumulate to a substantial amount as she values the safety of funds parked with local banks. Not that she doesn't know inflation. She is aware of that. But, she is still fine to let the money sit in the bank happily.

I figured that it is crucial for me to do something and start putting the money to better use, before some financial advisor or personal banking associate come along and convince her to invest these money in unit trust or investment-linked plans. ......