Let’s be honest, life can be a thrill ride. Sometimes it hands you lemons—the kind you turn into lemonade, of course—but you can’t deny that life is full of sweet moments. Whether it’s the excitement of buying your first car, the pride of watching your kids graduate from school, turning that dream vacation from a group chat plan into reality or kicking back in a well-earned retirement — these milestones are priceless. But they don’t just happen; they require planning and smart investing.

You might be wondering, “Does investing really work?” or “Can I really make more money from it?” These are totally legit questions, and yes, we have answers. Think of investing like planting a money tree; give it a little TLC (Time, Love, and Cash), and before you know it, it’s growing into a full-blown financial safety net, ready to catch you when life’s sweetest moments come around.

Let’s create two personas and talk about how they can use investing to prepare for life’s sweetest moments.

There’s Linda, young, bubbly and loves living in the moment. Let’s call her the Millennial hustler. Lately, she’s realized that whilst it’s okay to have fun and live in the moment, there is the need to plan for the long-term. How can she get started?

Linda can set up automatic transfers to a high-interest savings account through i-invest, offering up to 15% interest p.a. This ensures her money grows steadily while she enjoys her vibrant life. She can also diversify into equities or Fixed Deposits, and Treasury Bills offering up to 22% returns. This balanced approach helps her build wealth effectively.

Then there’s Mr. David, an established professional nearing retirement, seeking stability and security for his future.

To preserve his capital, Mr. David can invest in low-risk Treasury Bills which provide predictable returns and ensure a steady income stream. He can also invest in Fixed Deposits offering up to 22% returns. Longer-term deposits lock in favorable rates and guarantee returns, fitting his cautious approach.

By tailoring their strategies to their unique life stages, Linda and Mr. David are both equipped to enjoy life’s sweetest moments with confidence and peace of mind.

So, to you reading this, you can either “Linda” your way to wealth or go the “Mr. David” route.