As I have told many younger friends, before you flow your money to anything, think about what you have got first. At the very beginning, calculated penny by penny on how much asset I had. All accounts, Cash, Stocks...

After that, I tried to find out, actually how much money I am saving each month. That's the traditional chinese mind, saving is the most secured way of creating wealth. Then I made a prediction of how much money I could save for 1 year, 2 years and 5 years...

Hmm... It was a sad picture. Even with 10% of increase of salary each year, I needed 4 years to catch up my 30% salary dropped. Even worse, in Hutchison, you need some miracle to have 10% increase of salary every year (fortunately my last few years in hutchison did catch up in pace).

Then I asked, at the age of 25, how much cash I actually needed? Actually, something more than 30K for my citibank acccount would do. Great, then I started my Asset Distribution strategy.

After the "rich dad poor dad", I read a book when I was in Milan. I guess it is the "10 Days MBA", from there I learned some very simple financial terms, and from there I read that, on average, stock would give you 13% of return every year.

I told my friend that I was buying Hutchison bond, 5 years with 5% annual return, and my friend was so impressed already, and I dare not to mention that 13, the magic number.

From there onwards, I have put my money on Stock (target >13%), Bonds (~5%) and Fund (target ~10%), I didn't catch the IPO waved in year 2003, but I this distribution has given me a reasonable return year after year.