# data[].attributes.body
Live comfortably

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Own a house

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Met agent in school

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Challenges faced during Financial Planning

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Challenges faced during Financial Planning

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Unforeseen issues where my parents have limited funds (COVID period as example)

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Do not understand the risk of investments

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Leave money in bank accounts to earn the interest rates

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Only understand about MediSave in the CPF account

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Schools did not dive in depth to financial knowledge, aside from calculation simple or compound interest and the things in POA

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Cannot find any that is easy to understand

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Marriage

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Getting a house

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Financial freedom

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Read the news, manga, anime spend time w friends and family

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Google products

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Use Seedly - good way to listen / research for advice

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CPF has very limited opportunities.

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CPF can only be use to pay for housing, mortgage. SA account can be utilized for investments.

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Do not know any DPFT

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Be able to bring the key idea as quick as possible

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Be
User-friendly

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Convenient. Once the user understands the product that is recommended, they are able to apply for it immediately.

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Have a well-stocked of emergency funds

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CPF funds can only be use for education, housing and investments

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Lack of knowledge in investing and financial planning

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Have a interesting layout and seamless user experience

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Housing

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To have money for retirement

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Lack of time to plan

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Mostly music related, or hanging out with friends

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I have thought about investing, but i'm not sure on how much to invest. Have considered look for a robo advisor regarding investments 

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Financial Agent

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Use of Medical, Housing and Education

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Do not spend much. However, there is not enough savings due to household utilities.

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Did not look out for any DFPT

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Usability, Simplicity.

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There is no need for me to use it now as I have yet to enter the market.

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Friends approach me

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Would like to save CPF for retirement and ideally not touch it.

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Don't have. Keeping it simple - have enough to pay bills

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House. HDB. BTO

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House first (HDB resale) and a car is secondary.

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Knew someone who could do financial planning

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Not really, just wanted to be comfortable while not jeopardizing current expensess

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Investment products Millennials want to buy

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Investment products Millennials want to buy

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Only used CPF for healthcare purposes.

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Fixed deposits

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DFPT would be useful as long it is user-friendly and the user has a existing plan/plan they would like to get

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DBS Nav planner. Right now it's good because it's user friendly.

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Want to start investing on stocks but not sure what to start on

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Most Millennials have a few long-term financial goals they would like to achieve. The typical ones are ownership of their own home and financial independence.

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Tool should keep in mind users' financial goals when recommending a suitable plan for them, amongst other factors.

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Tool should be informative when providing recommendations to the user to convince them why it was recommended (based on their financial position, goals etc...)

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Majority of Millennials with financial planning started off from being approached by financial agents.

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Millennials feel that they do not have sufficient knowledge regarding financial literacy and as such, feel that they are not well prepared to enter the financial market.

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We need to find other ways to promote our digital financial tool among Millennials to create more exposure for our tool.

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Millennials want the tool to be easy to use.

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Tool should be clear to appeal to millennials who are not well versed in financial planning.

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Many Millennials feel that their CPF either have limited uses or should not be touched upon.

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We need provide CPF knowledge in our DFPT to intensify the use of CPF because CPF can be used to help in wealth accumulation.

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Millennials prefer to spend their leisure time chilling & relaxing rather than doing rigorous activities.

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We can engage them on their leisure time activities with our DFPT.

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Many millennials do not have a financial background to being investing/financial planning

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No. I feel it is currently not suitable for me to enter the market right now, so there is no need for me to use a DFPT.

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No, because lack of knowledge in investment

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$50

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Free

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Don't mind paying for additional functions

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Not really aware of any very good financing tools. Maybe not really a lot of marketing? Need market on social media

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Did not look out for any financial tools.

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Free

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Free is best. If need a financial consultant, $100 is a lot. Breakdown of costs, and no hidden fees

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Have. Since poly.

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DFPT can have a free trial in the first month. Charge a premium if they would like to access more features (retirement, cash projection, planning recommendation).

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Most consumers feel that the product should be free OR available at a very low cost.

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Travel around the world.

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Own a house.

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Friends recommend financial advisor.

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Not sure where to start from

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Keep the DFPT simple and user-friendly.

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Housing, education and health care.

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Unsure how to do investments using CPF.

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Simplicity.

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Generate results fast.