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Brush up on your financial literacy to make the most out of your investments

Man writing financial equations on a blackboard

Brush up on your financial literacy to make the most out of your investments

Why investing is really not that hard

Six in 10 people believe that a lack of financial education is holding them back from reaching their financial goals. We debunk their top excuses.

In the recent Emerging Affluent Study 2018, more than half (52%) of respondents across 11 countries stated that they are “very far” or “far” from achieving their first financial goal, be it setting aside an education fund for their children or starting their own business.

So why aren’t more people learning about investing? Here are some of the top excuses we have heard and here’s why they just don’t cut it anymore.

It’s too risky

It’s Too Risky

Yes, there are varying degrees of risk when it comes to investing but risk is also linked to return. You are already saving your money, so why not make your savings work hard for you?

For conservative investors, go for endowment plans, some of which may provide returns in the form of guaranteed benefits. If you can stomach more risk, consider mutual funds, which invest in a wide range of assets, which are generally less risky than investing in single stocks. For disciplined investing, know about our Systematic Investment Plans

It’s boring

Its boring

Do you remember the days back in school when your parents encouraged you to study maths even though you found it really boring? In the same vein, you might not think that finance is the most exciting topic in the world but like maths, financial literacy is a must-have.

Financial calculators can help you simplify the process of calculating your investment returns, how much you need for your retirement or how much you need to save for your children’s education.

If reading long market reports turns you off, go for bite-sized summaries provided by banks and financial institutions. These can give you an overview of the market and a better idea of which instrument or asset class to invest in.

It takes too much time

It takes too much time

Seeking help from a financial expert, whether you are chatting online or face-to-face, can help to get you up to speed with the latest market updates.

Some people worry that they will need to spend a lot of time reviewing their investment portfolios. But checking too frequently may even lead to making some bad short-term decisions. Generally, a half yearly review may serve the needs of those with diversified portfolios across asset classes.

Still not convinced? Consider investing in mutual funds. These are professionally managed taking the hassle out of the investment process, leaving you with more free time to spend with the people you love. To know about our Online Mutual Funds, click here

It’s too confusing

Its too confusing article banner

Many people are so worried about looking uninformed that they would rather not ask about investing at all. If you ask yourself these basic questions, you will be well on your way to starting your investment journey.

Want to learn more? Click2Chat with Standard Chartered Premium Banking’s team of financial experts. We are here to help

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This document is for information and educational purposes only. It is meant only for use as a reference tool. It has not been prepared for any particular person or class of persons. The products and services may not be suitable for everyone and should not be used as a basis for making investment decisions. This document does not constitute investment advice nor is it an offer, solicitation or invitation to transact in any investment or insurance product. The value of investments and the income from them can go down as well as up, and you may not recover the amount of your original investment. Prior to transacting, you should obtain independent financial advice. In the event that you choose not to seek independent professional advice, you should consider whether the product is suitable for you. You should refer to the relevant offering documents for detailed information. Standard Chartered Bank does not provide any investment advisory services under the wealth proposition. Standard Chartered Bank in its capacity of a distributor of mutual funds or while referring any other third party financial products may offer advice which is incidental to its activity of distribution/referral. Mutual Fund Investments are subject to market risk. Read scheme related documents carefully prior to investing. Past performance is not indicative of future returns.