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@yourfatcousin Management fees for mmf Return from asb/asn/asm as for now slightly better than fd. Its only my opinion..if im just starting out. I really dont want the fees to slowly eat up my capital

@yourfatcousin 1)Build your emergency fund first. At least 3-6 months salary. Maybe can build further to 6-9 months salary. 2)cut down a bit on expenses so that target funds can be achieved much earlier. 3) open up asb/asn ..best to force saving a fixed portion of your salary into these acc...