Many of us often think financial planning involves investing, but what we overlook is the importance of budgeting, debt management and protection. Most believe that the active management of our finances through the help of professional portfolio managers - who manage mutual funds or unit trusts - can’t beat the passive funds over the long-term. Yet, people pay higher fees for ETFs. Why are ETFs gaining so much popularity? And is one better than the other? Saijal Patel, Founder & CEO of Saij Elle shares more. She also gives her three golden rules to investing.