In the land of Kiasu-Singapore, one of the most common questions I get amongst friends are… What accounts do you recommend for savings, spending & investing for beginners? Look no further, here’s my own list of what I would recommend as logical choices for ALL beginners to start with. It will take you a few minutes to set up and optimise. Disclaimer: You should definitely do your own due diligence and this post is a recollection of my own experiences which has naturally evolved over my 5 working years. Yes we take our job very seriously! Benefits of being in the personal finance industry, you can read 33 of my product reviews here. Again, this is my unbiased opinion on what I recommend. I will segment each portion with the following: 

• What I recommend for fresh graduates today (in 2020)
• My personal story on what started with as a fresh graduate and what I am using now (after 5 working years)

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