Ways to achieve financial security

by  Jean Chan | 15 October 2025 | 3 min read

Ways to achieve financial security

Key Takeaways at a Glance

  • Financial security begins with a strong foundation of savings, insurance, and investments.
  • A diversified portfolio helps protect against market fluctuations and life uncertainties.
  • Insurance isn't a cost—it’s a safeguard for wealth continuity.
  • Investments should align with your goals, timeline, and risk appetite.
  • Citi offers tools and advisors to help you structure your wealth holistically.

Introduction

True financial security comes from designing a life-proof plan—one that covers emergencies, protects your dependents, and grows your wealth in parallel. This article explores how integrating savings, insurance, and investments creates a resilient wealth framework.

Why Is a Diversified Portfolio So Important?

Diversification spreads your exposure across asset classes, geographies, and risk levels. This reduces concentration risk and improves consistency in returns—even in uncertain markets.

Financial Tool Role in Financial Security
Emergency Fund Fall back with immediate access
Insurance Protection from unplanned emergencies
Investments Long-term financial growth
Designated Savings Account To channel and automate fund flows across various financial instruments.

Ignoring even one layer puts your entire plan at risk.

How Do You Start Building Financial Security?

Start by ensuring you have savings for emergency use. Sign up for a Savings Account and ensure you have at least 6–12 months in savings. Once you have this as a safety net, you can start looking to safeguard yourself and your loved ones with protection through insurance and grow your wealth through investments.

Why Include Insurance in a Wealth Plan?

Insurance can be viewed as a stabilizer or a risk transfer tool especially when taking market exposure elsewhere. Use it to help secure income streams, protect against health or estate risks, and reduce your dependents’ exposure to volatility.

Why is Regular Saving Still Crucial?

Savings shouldn’t stop once you begin investing. Regular saving creates the discipline needed to support a range of wealth-building instruments including RSPs (Regular Savings Plans), global mutual funds, equities, ETFs, endowment plans, FX-linked instruments or thematic investment portfolios.

The funds you set aside today can also support opportunistic entries into the market via digital brokerage platforms or structured solutions. Your savings can act as a funding source for both recurring contributions and timely, tactical allocations. It’s the habit that ensures your wealth journey remains both consistent and responsive to market opportunities.

 The Citi Advantage
  • Citigold Total Wealth Advisor can help provide a consolidated view of your financial landscape
  • Gain access to a wide range of investment and insurance products to support your financial goals
  • Receive guidance from Client Advisors who are trained to develop strategies tailored to your needs
  • Leverage digital tools that can assist in managing and tracking your portfolio with greater precision

Protect your financial future by building across savings, insurance, and investments—backed by expert advice, wealth tools and a team that helps you keep it on track.

Jean Chan

 Jean Chan | Traditional and Portfolio Specialist, Citi Wealth

Start your wealth relationship and opt in as an Accredited Investor

Discover Diversified Wealth Strategies

We can help you combine protection, savings, and investments into one secure strategy. 

Speak to your Client Advisor now

Start your wealth relationship and opt in as an Accredited Investor

Begin your relationship with Citi

Looking to craft a wealth plan that is diversified, works in all market conditions, and ensures financial security?

This article is for general information only and is not intended to be a forecast of future events nor a guarantee of future results and should not be relied upon as financial advice. All views and opinions are as of the date hereof, and are subject to change based on market and other conditions without notice. The article has no regard to the specific objectives, financial situation and particular needs of any specific person. It is neither an offer nor a solicitation to purchase, nor endorsement or recommendation of any products or services mentioned therein, and the products or services mentioned may or may not be offered by Citibank Singapore Limited, its related entities and their respective directors, agents and employees (together "Citigroup").

This article and its contents do not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution, offer or solicitation is not authorised or to any person to whom it is unlawful to distribute such information or make any offer or solicitation. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Citigroup is under no duty to update this article and shall not be liable for any complaint, suit, action, claim, expense, loss or damages directly or indirectly arising out of or in connection with any person’s reliance on, or acting upon, or use of, any contents on this article. The article is subject to amendment without notice. Investment Products are (i) not insured by any government agency; (ii) not a deposit or other obligation of, or guaranteed by, the depository institution; and (iii) subject to investment risks, including possible loss of the principal amount invested. The information contained herein is not intended to be tax or legal advice, or an exhaustive discussion of the strategies or concepts mentioned herein. Please seek advice from your tax, legal or financial adviser as appropriate about the contents discussed herein or before investing in any investment products. Should you choose not to seek such advice, you should carefully consider the risks associated with any investments and make a determination based upon your own particular circumstances and assess whether such investment product is suitable for you.

Important Information

You are leaving a Citi Website and going to a third party site. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Do you want to go to the third party site?
Citi is not responsible for the products, services or facilities provided and/or owned by other companies.