This course serves as an introduction to life-cycle investing. It covers the lifestyle choices faced by the individual over his/her life (the prudent conduct of which leads to early achievement of the elusive financial security goal - FSG), and the nuts and bolts and principles of investments. The individual has four distinct phases in his/her life (the life-cycle phases): 0 – 20: newborn to adulthood; 20 – 40: adulthood to maturity; 40 – 60: maturity to seniority; and 60 – 80+: seniority to exodus. Each phase has its unique lifestyle choice-variables and therefore unique codes or rules that need to be recognised and adhered to in order to achieve the FSG as early as possible, and to preserve assets until exodus. Investing also has distinct codes, rules and principles that need to be acknowledged. It is essential to have a good understanding of the financial system, which delivers the main asset classes: the financial asset classes (1) money market investments, (2) bonds and (3) shares (which make up the vast majority of the assets of individuals). The other assets are real assets and the categories are (1) property, (2) commodities and (3) other real assets (art, antiques, rare stamps and the like). The asset classes are held directly and/or indirectly via investment vehicles, such as retirement funds, securities unit trusts and exchange traded funds. It is essential to understand the environment and principles of investing: the objective of investing, the risk-free rate, risk and return, the lessons from the theories such as diversification and security valuation, and portfolio management.