Whatever your fixed income, first set aside for savings: emergency fund targets ranged 4-12 times from the monthly expenses and monthly savings deposits to achieve this target approximately 5-10% of gross income, insurance: health and accident/soul with a deposit premium monthly approximately 4-8% of gross income, and investment: deposit monthly investments ranging 10% -30% of gross income, and then allocated to the other expenses.

Savings remain important as an account that holds our emergency fund, as protection against self and family members increasingly recognize so that buying insurance is recommended. And finally the investment needed to maintain purchasing power and expand our wealth. Then the next question is, what alternative investments that offer above yields on savings interest rate?

To start your own business takes a special time and energy and no small amount of funds in order to run well. Therefore, mutual funds present as an alternative that is quick and easy to start investing. In addition, it can be started with relatively low amount of funds, and also handled by people who are experts in their fields. Mutual fund is a container for a set of investors to invest in financial instruments with the help of the investment manager.

Financial independence is being dream of every human. Someone said to be financially independent while he was able to achieve financial goals such as: there are savings for emergency fund, protection for the risk, buy a house, a car, children’s education fund, vacation fund, and pension fund.