Asset Allocation
No matter your net worth, everyone needs to make a decision on their personal asset allocation strategy, be it in cash, fixed deposits, bonds, equities, real estate etc. The decision that you make will shape your future outcome.
Based on the Eisenhower Decision Matrix, such a decision is Not Urgent at all, but definitely very Important. For most people, a proper asset allocation strategy can mean the difference between financial independence or otherwise.

Your decision will depend on a few key factors such as:
- Current age and gap to retirement
- Financial goals
- Desired lifestyle
- Risk appetite
- Knowledge, experience and exposure