It’s not enough just to save your money. To grow your wealth you have to invest. Although investments go through ups and downs, they can be potentially more rewarding over the longer term, beating the rate of inflation. Equities typically outperform other asset classes as their long-term returns are primarily driven by rising corporate earnings.
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Because not all asset classes perform consistently across time, diversifying across asset classes helps reduce volatility, balancing risk and returns. If one investment performs poorly over a certain period, other investments may perform better over the same time, reducing potential losses.
If you prefer not to bother with choosing which asset classes or markets to invest in, invest in mutual funds that are already diversified across asset classes.
Develop the habit of investing regularly by automating your investments. One way to achieve this is through a Systematic Investment Plan, where you can automatically transfer funds from your savings account and invest in selected funds every month. You will also enjoy the benefit of rupee r-cost averaging, which rides out the highs and lows of the market.
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A market correction refers to a price decline of at least 10%. Not only are market corrections normal, they can create some of the best opportunities to increase the potential for returns and minimize the potential for losses by making stocks cheaper relative to their earnings potential.
Investment for many people is a bit like writing a will, they know they have to do it but find it difficult to address the need or make the commitment to doing it.
If you do not have the time nor the patience to dig deep into the details, you can learn the basics e.g. What is a mutual fund? What does diversification mean? Supplement it with expert insights and assistance from a trusted financial partner
