Budgeting

Spending within one’s means is the foundation upon which financial wellness is built. Maintaining a budget and a positive cash flow are both necessary precursors to managing debt, saving for the future, investing, and protecting against risk.

4 simple budgeting steps

If you stick to a plan that keeps your spending below the level of your income, you’ll be better off.

50/20/5 A saving and spending rule of thumb

Our rule of thumb for saving and spending: allocate no more than 50% of take-home pay to essential expenses, 20% for retirement, and 5% to short-term savings.

Three ways to boost financial wellness

Take steps to improve your financial planning, savings and investing.

Pay bills on time

Paying bills on time can save future hardships and fees.

Understand Financial Wellness

Understand the definition and importance of being financial well

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Determine your Financial Wellness

Assess your personal financial wellness with our easy-to-use tool

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Retirement Savings Guidelines

Rules of thumb that make retirement planning simple

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Important information

Investment involves risks. This material contains general information only. It is not an invitation to subscribe for shares in a fund nor is it to be construed as an offer to buy or sell any financial instruments. The information contained in this material is only accurate on the date such information is published on this material. Opinions or forecasts contained herein are subject to change without prior notice. Reference to specific securities mentioned within this material (if any) is for illustrative purpose only and should not be construed as a recommendation to the investor to buy or sell the same. Any person considering an investment should seek independent advice. FIL Limited and its subsidiaries are commonly referred to as Fidelity or Fidelity International. Fidelity, Fidelity International, and the Fidelity International logo and F symbol are trademarks of FIL Limited. This material is issued by FIL Investment Management (Hong Kong) Limited and has not been reviewed by the Securities and Futures Commission.

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