A new, disruptive age is upon us. Times have changed. Life has changed. Job profiles have changed. Job security has changed. Aspirations have changed. Marriage and personal lifestyles have changed, though like lemmings to destruction charging, most of us continue to behave as if nothing has changed.

To grow and protect your money now, you need to master the new realities of personal finance:

• Don't focus on saving, focus on increasing your income

• Get a second income

• If your children are good, why save for them, if they are bad, why save for them

• Preserve what you have; this may not sound trendy but it’s vital

• Take up jobs where income can multiply exponentially

• You may be the biggest risk to your personal finance

• Postpone getting married and buying a house

• Don't screw up your early years

• Plan for being out of a job often

• You must educate yourself on how investing works

• Diversification is not what you think it is

• Higher return doesn’t necessarily entail higher risk

• Grow your network and you will grow your money

• Timing is everything in investing

• Don't tell anyone everything about your money.

Ashu Dutt is one of Asia’s leading investment managers and is the CEO and CIO of Ashu Dutt Global Investment Management.

Ashu is also one of the best recognized faces in Asian financial markets having been Senior Anchor and Chief Consulting Editor / Financial Markets Editor for almost two decades on marquee financial market channels, including CNBC, Bloomberg TV, ET NOW, Star News and NDTV Profit. He is the founder and president of the Asian Institute of Finance, Asian Institute of Investment Management, Asian Institute of Wealth Management and World Family Office Council. Over the years, Ashu has held several key positions at top-tier investment and corporate firms around the world.

Ashu is a Certified Public Accountant certified in the State of Maryland, USA. He holds an M.B.A and a B.B.A. (Summa Cum Laude) in Finance & Investments from Bernard M. Baruch College, City University of New York, New York.

Ashu is one of Asia’s most respected authors, having written numerous bestselling finance books.