Are you chasing too many goals?

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Amundi Singapore Limited
Company Registration No.: 198900774E

Summary

Juggling multiple financial goals?

With limited time and money, you can't do everything at once. That's where prioritising comes in. It helps you focus your energy and resources where it matters most.

We will help you sort through your financial ambitions and create a clear plan of action. By the end, you'll know exactly where to direct your resources for maximum impact.

Are you ready to gain more clarity on your priorities?

1. Separate your goals by time horizon

Take time to organise your financial goals based on when you’ll need the money. What do you need money for in the coming years?

Let's look at different time horizons and common goals that might fall into each category.

Short-term goals (1-3 years) Medium-term goals (3-10 years) Long-term goals (10+ years)

Emergency fund for unexpected expenses
Saving for a vacation
Planning to buy a car
Other near-term purchases

Portrait of happy customer buying new car

Saving for a home purchase
Planning for higher education
Major home renovations
Career development funds

Building for retirement
Growing wealth over time
Creating a legacy
Children's future needs
Make a three-column list to separate your goals according to their time horizon.This will give you a clearer picture of your immediate and future needs

old couple on a bench looking at their tablet

2. Use the Urgency-Importance Matrix

Some goals demand immediate attention. Others are crucial but less time-sensitive.

Here's how to categorise your goals:

Urgent and Important:

Address these goals first.

Important but Not Urgent:

Plan for these goals.

Urgent but Not Important:

Do your goals align with your priorities.

Not Urgent or Important:

Focus on what really matters.

3. Address competing goals

Do you find yourself with multiple important goals? Here's how to handle them:

Weigh the consequences of not achieving each goal. For example, neglecting retirement savings could have more serious long-term effects than other goals.
Balance emotions and reason. Emotional attachments can cloud judgment. Try to step back and assess what makes the most financial sense, even if it's not the easiest choice.
With limited time and capital, try to allocate your resources smartly to secure your financial future.

4. Adapt as life changes

Review your goals annually. Are they still relevant?
Reassess after major life events. Marriage, divorce, children, career changes – all can reshape your financial situation.
Stay informed about the broader economic landscape. Interest rates, inflation, market conditions, and policy changes can all significantly impact your long-term strategies
Being open to change will ensure that your financial plan remains aligned with your life, even as circumstances evolve.

From priorities to focused action

If everything is important, nothing truly is. Each investment towards a prioritised goal is a deliberate step towards the future you’re creating for yourself.

Learn which investments might fit your plan.

New to Investing? Start here with this six step guide

Don't just watch markets change. Set investment goals and evolve with them.

Discover more

Are your investment goals still relevant?

Assess whether your financial plans are still in line with your personal goals.

Discover more

Unless otherwise stated, all information contained in this webpage is from Amundi Asset Management S.A.S. and is as of 20 January 2025. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Neither Amundi Singapore Limited nor Amundi Asset Management S.A.S. accepts any liability whatsoever, whether direct or indirect, that may arise from the use of information contained in this webpage. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.

Date of first use: 20 January 2025

Doc ID: 4020719

Marketing Communication

Amundi Singapore Limited Company Registration No.: 198900774E This advertisement or publication has not been reviewed by the Monetary Authority of Singapore