• Be a Money Ninja
    • Learning about Money
  • About WealthSquats
  • Know this Number
  • Future You & Pensions
  • Smart Ways to Grow Money
    • Cash Savings
    • Bonds
    • Stocks and Shares
    • Mutual Funds >
      • Robo Investing
      • ETFs
    • Peer to Peer Lending
    • Early Stage Private Equity
    • Real Estate and Property
  • Big Money Stories
  • Contact
    • Money Cue Cards
  • Be a Money Ninja
    • Learning about Money
  • About WealthSquats
  • Know this Number
  • Future You & Pensions
  • Smart Ways to Grow Money
    • Cash Savings
    • Bonds
    • Stocks and Shares
    • Mutual Funds >
      • Robo Investing
      • ETFs
    • Peer to Peer Lending
    • Early Stage Private Equity
    • Real Estate and Property
  • Big Money Stories
  • Contact
    • Money Cue Cards
WealthSquats
  • Be a Money Ninja
    • Learning about Money
  • About WealthSquats
  • Know this Number
  • Future You & Pensions
  • Smart Ways to Grow Money
    • Cash Savings
    • Bonds
    • Stocks and Shares
    • Mutual Funds >
      • Robo Investing
      • ETFs
    • Peer to Peer Lending
    • Early Stage Private Equity
    • Real Estate and Property
  • Big Money Stories
  • Contact
    • Money Cue Cards

Savings & Investments

Your assets, things of value, are made up of your Savings and Investments. Assets are investments that grow over time.

In Savings & Investments, we explore multiple asset classes so that you can determine which types of investments you need. This matters because where you choose to put your money is a significant determinant of the type and size of wealth you can build.

In additional to your asset allocation, another key factor that impacts your financial success is time. Someone who starts saving a small amount at age 25 will likely generate more wealth than another who puts in a bit more but starts later. This is because of the law of 
compounding.

​Compounding allows you to keep growing your investments by continuously adding interests. You will find out that time is literally money so the longer you delay building your wealth the smaller your overall returns. A return is what you get back for your savings. This can be in the form of interests, dividends or increase in your capital.

It is important to note that where you choose to invest is dependent on many variables including, your current circumstances, any ethical considerations, the time you are willing to dedicate to managing your portfolio, willingness to take risk, when you want returns and more. It is very personal so as you read on, remember to tailor your asset mix to your needs.
Female investors keep 68% of their portfolios in cash vs. men's 59%. According to a Glamour magazine survey, 85% of women do not own stocks

What do you want to do?

I want to hold cash for a specific goal in mind. Explore Cash Savings
I want to invest for a long term and receive a regular income. Explore Bonds
I want to own companies like Spotify, Netflix, Boohoo, Asos, or Apple. Explore Stocks & Shares 
I want a bit of everything to get a balanced investment portfolio. Explore Funds
I don't want to make the decisions and I want decent returns. Explore Robo Investing
I want a diversified portfolio that allows me to keep more of my returns. Explore Exchange Traded Funds
I want to lend money out and earn interest from my debtors. Explore P2P Lending
I am willing to take high risks in long term investments. Explore Early stage private equity
I want to add property to my overall investment portfolio. Explore Real Estate 
I want to save for the future. Explore Pensions

So, what does your investment portfolio look like?

​​Your investment portfolio is a personal choice. it should:
  • Be Diversified across and within asset classes
  • Have a mix of low, medium and high risk 
  • Change with your Lifestage
  • Vary in duration​ short, medium  and long term 
  • Reflect your goals
  • Grow your net worth
explore the lifestage mix
The value of your investment can go and down. Typically, the higher the risk you are willing to take the higher the potential return and loss
Disclaimer
The content on
WealthSquats are my own thoughts. Consult certified financial experts to get information that is suitable to you.
​
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