Usually we only open the red packet (ang pow) after Day 15 of Chinese New Year. After calculating the total amount, I will do the bank in for them in their individual saving account. Frankly, how much they get equivalent to how much I spent for it in this year.Hey, the amount is not a small figure. LOL Hubby was thinking to use their saving account money to invest into gold since now is the best time to buy gold bullion due to price drop lately. Well, I am still consider his suggestion. I worried what if the price keep dropping, then wasted la!