Investment is a lot about mental challenge on how to control the fear and greed. This is especially so when one put quite amount of his wealth at work and he is no longer young. If one plans to retire on equity, Portfolio Management usually is a must to calm the mind and to generate enough to support expenses.

Another easy but dangerous option imo ( Kia-si thinking ) for me is to hand over this hard earn money to fund manager that is stranger to you considering the amount saved is your life saving and moving forward which is very hard for you to recover them when loss. Popular and star manager no count by the way. They are still consider strangers. I rather keep my money in CPF, SSB or FD.

In all my earlier articles on which I am a proponent of portfolio balance so that we can