I am Julian Ng, I am...

The Co-Founder & Chief Financial Guy at Akru. I have 20 years of experience in the investment banking and fund management industries with companies such as CIMB, J.P. Morgan and Public Mutual. I was formerly a producer and presenter on BFM 89.9, where I host shows on business and finance including how it impacted ordinary folks.

1. What is your best investment and worst investment?
My best investment is investing in myself. My worst investment is failing to invest enough in myself.

2. What was your first-ever investment? (and how did that go)
I didn't realise that a long time ago when I made my first investments in the stock market, I was actually gambling. I thought that what went up would not come down and that everything I picked was going to be a sure thing just because I wanted them to be. Obviously, that didn't turn out well.

3. Your investment no-nos (why not and what happened)
Don't waste time trying to pick the right stocks to buy. Buy into whole markets which have given decent, inflation-beating returns over the long term. Better still, pay someone who doesn't charge too much (like Akru) to invest for you. Use your time for things you love doing.

4. What are you investing for?
I think we can be content and happy without needing too much stuff. It's enough to be enlightened and healthy and have close friends and family. Having said that, some affordable vices and toys won't hurt :)

5. Julian's investment philosophy and approach
Investing in yourself gives the best returns because minimal financial capital is needed. Once you reap career dividends, you can invest savings passively so that you can continue to have time to do whatever fulfils you. I personally use a robo-advisor which invests my money into diversified global portfolios which contain about maybe 10,000 securities. My assets are split roughly 70-30 into equity and bonds.



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About “This is How I Invest” - As Fi Life’s motto is “Buy Term (Term Life Insurance) & Invest the Rest”, this series features how different personalities “Invest the Rest.”

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