CBS Advisory

𝐔𝐧𝐥𝐨𝐜𝐤𝐢𝐧𝐠 𝐬𝐦𝐚𝐫𝐭𝐞𝐫 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐨𝐮𝐭𝐜𝐨𝐦𝐞𝐬 𝐰𝐢𝐭𝐡 𝐩𝐫𝐞𝐜𝐢𝐬𝐢𝐨𝐧, 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞, 𝐚𝐧𝐝 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐜 𝐟𝐨𝐫𝐞𝐬𝐢𝐠𝐡𝐭.

CBS Advisory’s refreshed Company Profile is now live — showcasing our end-to-end capabilities across 𝐂𝐨𝐫𝐩𝐨𝐫𝐚𝐭𝐞 𝐒𝐞𝐜𝐫𝐞𝐭𝐚𝐫𝐢𝐚𝐥, 𝐓𝐚𝐱 & 𝐑𝐞𝐠𝐮𝐥𝐚𝐭𝐨𝐫𝐲, 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 & 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠, 𝐚𝐧𝐝 𝐂𝐚𝐩𝐢𝐭𝐚𝐥 𝐌𝐚𝐫𝐤𝐞𝐭 𝐀𝐝𝐯𝐢𝐬𝐨𝐫𝐲.

We’re doubling down on value creation, governance excellence, and data-driven decision enablement for businesses ready to scale.

Explore how CBS Advisory delivers structure, stability, and strategic lift for modern enterprises.

𝐏𝐚𝐫𝐭𝐧𝐞𝐫 𝐰𝐢𝐭𝐡 𝐚 𝐟𝐢𝐫𝐦 𝐭𝐡𝐚𝐭 𝐭𝐡𝐢𝐧𝐤𝐬 𝐛𝐞𝐲𝐨𝐧𝐝 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬.

📢 Tax Season is Here!

Don’t wait till the last minute — file your return on time and avoid penalties.

✅ Need help? CBS Advisory is here to guide you every step of the way.

🔗 www.cbsadvisory.org
📧 [email protected] | 01915-529120

"CBS Advisory" is Hiring: Full-Time Accounting Associate (On-Site)

Location: CBS Advisory – Niketon, Gulshan 1, Dhaka, Bangladesh
Type: Full-Time | On-Site (6 days a week)
Salary Range: BDT 18,000 – 22,000/month with festival bonus
Salary Review: After 6 months of joining, based on performance

About the Role
CBS Advisory is expanding! We're looking for a motivated Accounting Associate to join our on-site team in Dhaka. This role is ideal for someone passionate about accounting and eager to grow in a dynamic firm serving both local and international clients.

Key Responsibilities
• Record daily transactions and maintain general ledgers
• Assist with monthly bank and credit card reconciliations
• Help prepare financial reports and documentation
• Support VAT, TDS, and payroll processes
• Learn and work with tools like QuickBooks Online, Xero, and NetSuite
• Collaborate with the team to ensure timely and accurate client deliverables

Requirements
• Bachelor’s degree in Accounting, Finance, or related field
• Strong attention to detail and organizational skills
• Proficiency in Microsoft Excel/Google Sheets
• Strong communication skills in both Bengali and English
• Prior experience with accounting software is a plus — but not mandatory. We will train you!

What We Offer
• A structured work environment with real client exposure
• Regular mentorship and performance-based growth
• Comprehensive training on QBO, Xero, and NetSuite

Please send your CV to [email protected] mentioning the job title in the subject with a Cover Letter.

🧠 Savings vs. Investment: What You Need at Every Life Stage
When it comes to financial planning, many people ask: “Should I focus on saving or investing?”

The answer depends on one key factor — your current phase of life.

Understanding when to save and when to invest is critical to achieving both short-term security and long-term wealth.

Let’s break it down by life stage:

👶 Early Career (20s to early 30s): Build Your Foundation
🗸 Focus: Savings first, then gradual investment

In your early career, your priority should be building financial stability.

Why Savings Matter Now:
▪ You need an emergency fund (3–6 months of expenses)
▪ Savings support mobility — switching jobs, relocating, further education
▪ You’re likely earning less but spending more to establish independence

Start Investing Slowly:
▪ Begin with low-risk options: index funds, ETFs, or employer retirement plans
▪ Consider SIPs (Systematic Investment Plans) if available in your country

➥ Tip: Even investing BDT 5,000 or $100/month now compounds greatly by your 40s.

🏡 Growth & Responsibility (Mid-30s to 40s): Balance Is Key
🗸 Focus: Maintain strong savings while increasing investments

At this stage, your income typically increases — but so do expenses (children, home, family).

Savings Should Cover:
▪ Emergency fund top-up (consider family coverage)
▪ Short-term goals: car, vacations, home renovations
▪ Insurance (health/life) — your first defense

Invest Aggressively for Long-Term Goals:
▪ Retirement planning
▪ Children’s education
▪ Asset building (real estate, mutual funds, stocks)

➥ Tip: Prioritize diversified investments. Don’t keep too much idle cash — let your money grow.

🛡️ Stability & Security (50s to early 60s): Protect and Prepare
🗸 Focus: Shift from aggressive growth to preservation & income

This phase is all about protecting what you’ve built.

Reduce Investment Risk:
▪ Move from high-risk equities to bonds, fixed income, dividend stocks
▪ Consider real estate income or annuity-based products

Savings Purpose:
▪ Short-term needs (vacations, health costs)
▪ Emergency healthcare and home repair funds

➥ Tip: Rebalance your portfolio every year. Protect your retirement nest egg from inflation.

👴 Retirement Phase (60+): Generate Passive Income
🗸 Focus: Convert investments into income streams

Now, your priority is not growth — it’s sustainability and liquidity.

Investments Should Provide:
▪ Stable income (dividends, pensions, interest)
▪ Low-risk options with immediate access (fixed deposits, treasury bonds)

Keep Some Savings:
▪ Liquid for emergencies
▪ For medical and personal expenses

➥ Tip: Avoid risky new investments unless you have surplus wealth.

🧠 Conclusion: Timing Is Everything
There’s no one-size-fits-all answer to savings and investments. But here’s a rule of thumb:

🗸 In your 20s–30s: Save aggressively, invest modestly
🗸 In your 30s–40s: Balance both to build wealth
🗸 In your 50s–60s: Invest conservatively, save strategically
🗸 In retirement: Live off investments, maintain a safety net

"A penny saved is a penny earned — but a penny invested is a future earned."
— Inspired by Benjamin Franklin, adapted for modern finance

💬 Want a personal savings vs. investment strategy?
Reach out to CBS Advisory — we help individuals and families plan smarter for every stage of life.