Start investment

Understand investment

Investment can look like an interesting choice to increase your capital returns, especially when interest rates on savings accounts are very low.

Do you want to invest alone, or for someone to invest your money on your behalf, there are several factors that you must consider before you start.

How much can you invest?

It is important to recognize that when you start investing your money, you will introduce the risk element to your capital. Generally the higher the potential risk returns higher against your capital, so don’t be sucked in high rates but consider carefully how investment will sit with your risk.

Before you start investing, you have to make sure that you are finished and you don’t invest with money that you can risk losing. For example, can you pay all your debts easily? Do you have a savings buffer to fall back? Many experts recommend that you have an equivalent of at least three months to fall back if periods are difficult.

Why did you invest?

Before deciding on the right investment option for you, you must have some kind of financial goals. Do you want to generate income from your investment, or just to increase your capital?

Set the time frame where you can realistically achieve your financial goals, and decide how long you are willing to commit your capital to achieve the return you want. This will help you find the right investment for you. If you have a purpose in mind, you can easily tell when they don’t meet or exceed your expectations.

What kind of investment?

There are four main investment options available

1) Stocks and shares

2) Investment funds (including unit guardianship, OEICS funds and trackers)

3) investment trust

4) bondsi.

What is right for you will depend on your attitude towards risk. For example bonds tend to be a safer choice than investing in stocks and shares, but you will tend to see lower returns. Which option is most suitable for you will also depend on whether you want to invest in a lump sum or if you want to invest more regularly in a smaller amount.

Diversification

Investment is almost certain to come with an element of risk, but by diversifying your investment, you can reduce risk. Investing in the field of assets that have little similarity means that if one region fails, it will not take your full investment with it. You can diversify your investment by putting money to various companies, markets, assets or types of investment.

Understanding investment can be complex, and you might want to find professional advice.

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