ItÆs not easy

What does your job involve? Tse: We meet with scheme members. The message we carry depends on the request of corporate clients. We have four different modules for different life stages of an individual under a retirement scheme. The first one is what we call "Starting Out", for people who are just joining the scheme. It covers the basics such as how much to save for retirement and the ART concept. A stands for Asset Class, R stands for Risk, and T stands for Time/Investment Horizon. …