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My Investing Strategy for 2012 [ February 5th, 2012 ] | 129 views | Leave a Comment

Although the market outlook is uncertain due to the European debt crisis but I will also plan to make minimal stock investments. I will only invest my savings in high yield dividend stocks when the market plunges. I think property is the best hedge against inflation. Therefore, I will invest in a medium cost apartment soon. Besides, gold is another option to preserve our money and diversify our portfolio. It would be great if you can plan to allocate some funds for gold of 20g to 50g.

investing strategy

My recent strategy is to invest for income and capital preservation in view of the market volatility. For my unit trust investment, I will try to diversify by allocating one third of my portfolio into medium term aggressive fund. Meanwhile, for my stock portfolio, I will try to minimize my risk by investing in defensive counters which also provide dividends consistently.

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Counter Offer During Job Confirmation?

Getting a job confirmation is an exciting experience but be careful not to sign your confirmation letter quickly without looking into all the important points. This is because there are terms and condition applied for your job confirmation, you have to check whether you will be subject to any salary increment as a confirmed employee? Will your job role and responsibility remain the same? What are the extra benefits you will enjoy as a confirmed employee?

salary_increase.

For me, I have to give 3 months notice of resignation. It’s a way too long but if you are planning to stay longer at your current company then it should not be an issue. However, you still need to do counter offer during job confirmation. This is because it’s imperative to know that some employers would not wait until 3 months before a new employee joins. So, you need to think twice before making any decision.

If you very satisfy with your job and position then you can try to bargain more in order to suit your current needs. Besides, you need to do some salary survey and research to make sure that you will not underpaid. For me, I have fully prepared with the next move and planning to show something or offer to my company, which will bring more benefits to it.

My Sample of Job Confirmation Counter Proposal Letter

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November 22nd, 2009 | Posted in » Finance Tips | 2 Comments | 6,063 views