When we put our money in fixed deposits or savings account, we can reliably count on that if we put the money in on May 2018 and take it out in May 2020, we will get a certain annualized and cumulative returns.

It is difficult for a person new to investing to visualize their returns when the asset’s value or return is volatile. If you invest in individual stocks, unit trust, or ILPs, the value of your investments change over time.

With this kind of uncertainty, it is no wonder wealth builders stuck to tried and tested forms of investment.

I tried to think back to what convinced me to put my money in the stock markets instead of fixed deposit last time. At the start, I was not particularly convinced when the books showed that if you keep your money from 1929 to 2001, your wealth will compound

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