Save for your future needs

If you earn a modest salary, do you prefer to:

(a) Set aside some savings for the future?
(b) Spend away all of your savings
(c) Spend your future earnings now, by taking a loan or credit?

If you decide to save, do you prefer to:

(a) Put the savings in a savings account to earn 0.5% interest
(b) Invest in a low cost, diversified investment fund to earn 5% (average), but has risk
(c) Invest the savings in a life insurance policy to earn 2.5%, but is locked in for 10 to 30 years.

If you like to earn a better return, but wish to learn how to manage your risk, you can read this FAQ:
http://www.tankinlian.com/faq/savings.html