Think about it. What is your purpose and goal for saving. It is very important to make you keep on saving.
Then what is your route for saving.
To be success, we need to focus on our goal, not the obstacle along the way to achieve the goal. Do you select the right tools and method to achieve your go. In this outside world, there are a lot of method and even some short cut for us to achieve the goal. As long as it is within the rules and regulation of the games, country and etc, it may be the right tools for us to success and achieve the goal. The old guideline may become a history, shortcut way is always found and follow by success people however we need to willing to take some unseen risk. But also bare in mind, the old guideline also have the risk, the only different way of new and old is
a. Old Guideline risk is clear and define. [Bank Saving, Fixed Deposit]
b. New Guideline risk is unclear and unseen. However, as long as the risk is calculated, then we can choose this way.[Unit Trust, Stock]
The most important is we can achieve the goal.