Your financial outlook for 2021, based on your Chinese zodiac sign

Your financial prospects will greatly improve, compared to the previous year. Your work at hand will reap huge profits, especially during the 5th and 10th month. With Rat being your zodiac animal, you’re naturally smart when it comes to money matters. If you have spare money, consider making an investment in your field of expertise.

The financial horoscope of the Ox can be improved. You should avoid high-risk investments and maintain caution towards spending beyond your means. Wealth is predicted to dip during the 3rd, 6th, and 8th months. As family expenditure will be particularly large during 2021, remember to create a budget and plan to increase your monthly savings. Consider opening a savings account, as a low-risk way to earn more with your money.

When it comes to your finances, wealth projection is flat, and money can be easily lost, especially during the 7th month. On the bright side, the 4th and 8th month will bring you the highest financial luck. As you gain more financial independence, remember to save throughout the year to avoid financial hardships.

Your financial luck in 2021 is relatively flat, with extra financial success during the 9th month. Although you’re a natural saver, this year’s income is set to be far less than expected. Every time you’re able to save a sum of money, it is destined to be spent for various necessities. This may cause you to feel challenged when managing money from home. With the finance industry becoming increasingly digitised, there are many new financial management tools that can help you manage your money in an easier, smarter way.

You will be presented with investment opportunities where waves of profit will come crashing in. Be content with your financial abundance and avoid the temptation of going overboard, which may put you at risk of losing more than you gained. Your financial outlook for 2021 is stable and you will not need to worry about covering household expenses. You will be especially financially lucky during the 10th month.

Your performance in the workplace will yield double the financial return. You will also earn money from unexpected areas. However, your financial consumption will also increase. Remain open to an opportunity that will let you strike rich during the 4th month. If you’re used to being cautious with spending, seek guidance from a friend or mentor born in the Year of the Ox.

As the Snake is a fire sign, it clashes with metal – an element that represents money. According to Chinese Ba Zi readings, the Ox is nicknamed, “The Storeroom of the Metal”, which means they can safeguard the wealth of animal signs who have trouble achieving monetary abundance. To increase your financial luck in 2021, look through your contact list and contact an Ox benefactor.

You’ll experience smooth progress in your career, which will be tied to good income. Expect to receive the highest financial luck during the 11th month. If you find yourself faced with unexpected events, learn to plan monthly expenditure as opposed to spending money on meaningless things. Consider applying the 50-30-20 rule when to divide your income into three categories:

• 50% should be spent on your essential needs
• 30% should be used for discretionary spending
• 20% should go towards your savings, investments, and emergency expenses

 
Suppose you earn S$6,000 a month, after all taxes and deductions. According to the rule, S$3,000 should be spent on your needs, S$1,800 should be used for your wants, and the remaining S$1,200 must be used for your savings and investments.

Your financial income may be greatly reduced, especially during the 3rd month. However, with hard work, you can expect financial success during the 6th month. Approach financial matters with increased caution. If you’re intrigued by the idea of making money through investing, you should first understand what investing is all about. Start by understanding the basics of investment, including the risks and portfolio diversification.

Your financial luck looks quite bright. You’ll enjoy increased wealth and bonuses during the first half of the year. Also, you’ll earn rewards from your side investments. While you will be most financially lucky during the 4th month, you’re expected to face great loss during the 12th month. To avoid financial hardship towards the end of the year, consider planning ahead with a robo advisor, a low-cost alternative to traditional wealth management advisors.

Your wealth projection is quite positive and you will encounter many good opportunities in 2021 to obtain high returns. However, as you tend to be more materialistic by nature, your expenses will also be relatively high. Remember to minimise spending, even if you have a comfortable monthly income. Be especially careful during the 2nd and 6th months and welcome good fortune during the 5th and 11th months.

Your financial outlook is relatively flat. As you tend to be more conservative in nature and risk-averse, it is recommended that you focus on diligence this year, and wait for the right investment opportunities to come to you. You may not receive a windfall or a big promotion – but you won’t be burdened with significant income complications either. 2021 will be a year of financial smooth-sailing, without any major ups or financial loss.

For your wealth prediction, expect to receive good income from your investments. You will not need to worry about financial shortfalls, with the exception of the 3rd, 6th, and 10th months. You will also enjoy a pleasant financial surprise during the 5th month.

What to note about Chinese zodiac wealth predictions

After the financial rollercoaster during the Year of the Rat, we can’t wait to see a better financial outlook during the Year of the Ox. While it’s exciting to read your Chinese horoscope and see all the good fortunes the new year brings, remember that luck will only go so far – it’s up to you to make the most of the new year, work hard, and make smart financial decisions. The same applies for those whose financial predictions weren’t the most auspicious – take it with a pinch of salt. Happy Chinese New Year!

This article was first published in ValueChampion.

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