After my graduation from the university more than 20 years ago, I still keep pace with some self improvements, especially in the area of financial literacy. I find that schools should have impart us with some investment and financial management skills because we need to grow our wealth in our life. I would take up some online courses in financial management as well as investment strategies and guides. These knowledge had equipped me with the skills to help me management my wealth and investment skills. For example, I have recently learnt a bit more about margin trading as well as futures trading. However, I also learnt some painful lessons that not all forms of investments are suitable for everyone. The higher the rewards you expect, the higher the risk you have to take. I lose some money losing in futures trading recently. I felt that I did not learn enough, which resulted in me losing money to the market. I have taken up more ebooks learning to strengthen my knowledge further to better equip me for the more complex trading.