Focus Malaysia: Pushing for more financial literacy (Part 3)

In Part 3, Kimberly’s final article in this series, she discusses cash flow management and investment choices. According to Kimberly, the most important component of personal finance is cash flow. She touches on how to achieve good cash flow which can then be used for investments, and focuses on some common mistakes people tend to make when trying to invest.

Kimberly states that the general rule of thumb when investing is determining whether the priority will be on capital growth or income generation. She then goes into detail about each option and provides advice on which to prioritise and when to do so.

Kimberly ends her article by summing up the different components of personal finance and highlighting the key takeaway from the investment section as well as cautioning the public to be aware of investment scams that sound too good to be true.

This article can be found online here.