Before joining the SMT program, Alvin has been putting in money into his savings account and fixed deposits in order to retain his cash value from depreciation.
However, yielding him only 2-4% per year, he felt it was too little and stagnant as it will never cover the inflation rate.
Hence, he looked for investment opportunities that can not only give him a higher rate of return, but also something that is proven & reliable so that he doesn't burn a hole in his pockets in the process.