Hello there. I'm Corazon from the Philippines and currently a bank employee. I have some business experiences in the past although the main reason I joined this site is to prepare for my retirement. I would be receiving a substantial amount of retirement pay for my long years of service to our company and I want to invest it in something productive but risk-free (although I know there is no such thing). In short, I am on my research period right now. PS. Sorry this post should be my first but it's not.