Concept of Cash
How to Make More Money from Less Money

Cash plays a prominent role in the concept of money. By pure definition, cash refers to physical form of currency such as banknotes and coins. Liquid asset such as Fiat Currency kept in bank is also considered as Cash. However, advancement in technology over the last few decades has created some other assets that can be so easily converted to monetary value such as Precious Metal and Virtual Currency.

In many platforms, gold is accepted as a medium of exchange. Most e-banking system by major banks around the world recognize Gold (electronic gold) as a form of liquid asset (Cash). Therefore, precious metals such as Gold can also be classified as cash. More recently, Crypto/Virtual Currency has been created as a result of advancement in Blockchain Technology and when cryptocurrencies are also accepted as a mode of payment by certain merchants, it can also be classified as another kind of Cash.

Cash forms a very important part in an investment portfolio. The “Cash is King” mantra is a belief that money (cash) is more valuable than any other form of liquid assets. And this holds true especially when prices of investable assets in the capital markets are heading for all-time high. Under a Bull Market environment, investors may decide to save their cash, waiting for prices to drop or market corrections take place.

On the other hand, Cash, if NOT invested or managed properly can also lose its value to Inflation and Currency Depreciation. These phenomena are often overlooked by the general investors. As a rule of thumb, it is always advisable to keep approximately 20 percent of an investment portfolio in cash. A healthy amount of Cash Reserve can provide long term stability while bringing more future benefits.


Financial.org believes that Cash, if managed correctly and properly, will be able to:

  1. Keep the “Cash is King” leverage, waiting for other investible assets to become cheaper before entering the market;
  2. Appreciate in value against a basket of other currencies;
  3. Generate reasonable returns.

Financial.org’s philosophy in Cash Management Education emphasizes on achieving all 3 key objectives above. Our training and financial education programs are geared toward simplicity, rationality and practicality. Members will be exposed to smart money management skills, cutting-edge investment tips and strategies, in addition to adapting simple concepts, choices and proven methodologies.

Cashless society


A Cashless society is not a new methodology. Cashless societies have long existed, based on barter and other methods of exchange. However, the modern world's cashless society adapts the idea that in the future, hard cash will become redundant as a result of technological advancements. Electronic cash and Virtual/Crypto Currency will become the New World Order. Awareness about the concept of money is making a strong comeback. Gone are the days in which global citizens were fooled to leave these subjects and decisions to economists, lawmakers, governments and banks. The amount of USD, GBP and EURO in circulation has increased between 35 to over 50% in the last 10 years. In recent years, a growing number of people started to lose confidence with Fiat Currency and therefore, are moving some of their liquid assets into Digital Currencies. This movement is gaining huge momentum and such trend is expected to continue exponentially in the coming years. The idea of a cashless world may become a reality sooner than we think.

At the end of the day, the value, concept and definition of money vary among every member. Everyone has different needs, viewpoints and objectives when it comes to Money Management. But when it comes to investing, there is a common skill that we all must learn; every one of us will need to learn to manage our money well, regardless of whether it is as little as $100, $10,000 or as much as $10million. To become an excellent investor, Money Management is probably the most important financial skill that one must able to develop.

Money Makes the World Go Round; as the saying goes, 
“There is Never Too Much Money!”


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