Peter Nurcombe-Thorne writes that many young graduates are 'ambushed' by determined commission-driven product pushers at this time of the year. And this is made worse because so few employees have help from their employers; only 40% have access to a retirement funds as a condition of service and only 25% have employer managed medical schemes. This leaves most workers to make their own decisions. If you are about to earn your first salary, how should you go about dividing your income between life insurance, disability and income protection insurance, investments and retirement saving? To read more, click here.