Investing savings via hard work

Singapore

FINANCIAL literacy is not rocket science, said a top financial literacy trainer who made his first investment at age 12 and started investing in individual stocks at 21.

Rather, being financially savvy is about taking ownership of one's finances and being independent, said Seow Chin Juen, now 24 years old and a final-year economics major at Singapore Management University (SMU).

Mr Seow said his parents instilled in him the value of hard work and independence.

"If you want something, you're going to have to work for it," he said.

From a young age, his parents also emphasise…