A diversified portfolio balancing growth and stability is key. Consider investment-linked policies, unit trusts, properties, and retirement funds based on your risk tolerance.

Aim to invest 30-40% of your income. The more you invest now during peak earning years, the more comfortable your retirement will be.

Generally, pay off high-interest debt first, then invest. However, low-interest debts like mortgages can run parallel to investments if returns exceed interest rates.