Tools to get started

Equip yourself with basic investment tools for a smoother investment journey and to help you grow your own healthy portfolio.

Here are 5 steps to help you start investing. The earlier you start, the more time your money has to grow.

STEP 1

Set your goals

Have goals that are specific, measurable and realistic. You are more likely to stay focused and achieve them.

Writing your goals down can increase your success rate.

STEP 2

Work out your risk appetite

Some asset classes fluctuate more than others but may offer higher returns.

Having a variety of assets helps smooth your investing journey.

You may also take on more or less risk, depending on how your financial circumstances change. For instance, a large pay rise or windfall may increase your risk tolerance. A job loss or new baby potentially reduces.

STEP 3

Choose your investments

Different types of investments serve different purposes.

Bond or equity unit trusts can give you lump sum payouts in the form of capital gains and investment income.

If you need regular payouts, annuities can provide a fixed stream of payments.

STEP 4

Keep an eye on your portfolio

But don’t over-do it! Over-monitoring may cause you to sell at the wrong time, especially when markets fall.

Stay the course if your initial reasons for investing have not changed.

Avoid panic and emotional decisions. Remember why you are investing and stick to the plan.
STEP 5

Fine tune

Fine tune your portfolio at least once a year.

This is useful as your financial circumstances may have changed due to unexpected expenses, a windfall, job loss, new goals, etc.

You can also speak to your financial adviser on the new opportunities and risks in the market.

The general concepts shared are for educational purposes only and not for the use in the marketing or sale of any Eastspring investment products.


Viewers are advised to be cautious if they intend to invest in any products that are used in the illustrations as the illustrations do not cover the full spectrum of considerations required in making an investment decision.


This information is not an offer or solicitation by anyone in any jurisdiction in which such offer or solicitation is not lawful or in which the person making such an offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such an offer or solicitation. It should not be construed as an offer, solicitation of an offer, or a recommendation to transact in any investments if mentioned herein.


The information contained herein does not have any regard to the specific investment objectives, financial situation or particular needs of any person. Investors may wish to seek advice from a financial adviser before any making investment decision. In the event that an investor chooses not to seek advice from a financial adviser, he should consider carefully whether the investment in question is suitable for him.


Eastspring Singapore is a wholly-owned subsidiary of Prudential plc of the United Kingdom. Eastspring Singapore and Prudential plc are not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America.