It is never too late to start investing. I have some friends who started dipping their money into investment recently. I personally guided them along the way, giving them advice on what instruments they should be going for as beginners. I would like to take this chance to share with readers my strategy that I advised to my friends and hopefully this article would be helpful for anyone who is lost when starting out their own investments. My investment journey has not been smooth-flowing when starting out in 2018 but I have learnt along the way and I would have implemented the same strategy that I will be sharing today for myself if I could turn back time.