Building up an emergency fund to ensure you are protected against any financial surprises is one of the golden rules of personal finance.

But once that emergency fund has hit its target of about three to six months’ of your monthly expenses, what should you do with the rest?

 

While many choose to invest their money to grow their net worth over time, others prefer to sit on their savings – storing it in bank accounts, or worse, under their mattress.

 

So what causes some people to fear the world of investing? And how can they break that fear and start making their money work for them?

Host Alice Haine is joined by Sam Instone, director of financial advisory firm AES International, who outlines how to get started in the world of investing.