Define Your Goals: Before you start investing, it's essential to know why you're doing it. Your goals will determine your investment strategy. Ask yourself what you want to achieve through investing. Do you want to build wealth for retirement or to fund your child's education? Once you have a clear idea of your goals, you can make informed investment decisions.

Start Small: Investing doesn't have to mean putting all your money in the stock market. You can start small by investing in low-risk instruments, such as time deposits or money market funds, that offer higher returns than traditional savings accounts. This allows you to get a feel for investing and build your confidence before you move on to riskier investments.

Understand the Risks: All investments carry some degree of risk, and it's important to understand the level of risk involved in each investment. Risk and return are closely related – the higher the potential returns, the higher the risk. Stocks, for example, can provide higher returns but are more volatile than bonds. Consider your risk tolerance when deciding on your investment portfolio.

Diversify Your Portfolio: Diversification is key to managing risk. Instead of investing all your money in a single stock or investment, it's recommended to spread your investments across different asset classes, such as stocks, bonds, and real estate. This helps to reduce the impact of any single investment's performance on your portfolio.

Consider VUL Investments: Variable Unit-Linked (VUL) insurance is a type of life insurance that provides both life insurance coverage and investment options. It allows you to invest in a range of funds with varying degrees of risk, depending on your risk appetite. VUL products are often used for long-term investment planning, and a portion of the premiums paid are invested in funds that aim to grow your money.

Consider UITFs: Unit Investment Trust Funds (UITFs) are another investment option for beginners. They are managed by a professional fund manager and are made up of a pool of money from different investors. UITFs can invest in different asset classes, and you can choose the one that best aligns with your goals and risk appetite.

Seek Professional Advice: Investing can be complicated, and it's always a good idea to seek the advice of a professional. A financial advisor can help you understand your investment options, develop an investment plan that aligns with your goals, and manage your portfolio over time.