Frequently Asked Questions
The sooner you begin, the more time your money has to grow. Starting early helps you build strong habits, take advantage of compounding, and reduce financial stress later in life.
We recommend focusing on building an emergency fund, managing any debt responsibly, and setting clear savings goals. These steps create a safety net and give you room to invest wisely.
There’s no fixed amount—it depends on your income and expenses. As a guideline, saving at least 10–15% of your income is a great start. At DWD, we’ll tailor a savings plan that suits your lifestyle and goals.
Yes, but strategically. We help you balance debt repayment with small, manageable investments so you don’t lose out on growth opportunities while paying down what you owe.
Beginner investors often start with low-cost, diversified products such as unit trusts or retirement annuities. These options provide steady growth potential and help you build wealth over time.
We’ll help you build a deposit savings plan, manage credit, and understand the financial responsibilities of homeownership. With clear steps, you can enter the property market with confidence.
It depends on your circumstances. If you have dependents or financial obligations, life cover is important. Starting young often means lower premiums, making it a smart long-term decision.
We recommend annual reviews, or sooner if major life changes occur—like a new job, marriage, or buying property. This ensures your plan always matches your evolving needs.