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What is investing?
30 Jun 2020
5 min. reading
By saving, you can put money aside for a rainy day, but in this way you cannot increase your capital. It is true that you can put your funds on a bank deposit and thus make a profit, but it will be small. Only the right investment can make a real income. What can you invest your savings in and how much risk does it entail? We advise!
What is investing?
In this article you will learn:

What is investing - definition
Basic principles that distinguish investing
What is not investing?
How can money be invested?
Where to invest money?
Contrary to appearances, in order to invest, you do not have to have large amounts. It takes really little - a small amount of money, a bit of knowledge and a bit of luck. Check what you should know about investing.

What is investing - definition
In a nutshell, investing consists in engaging a certain amount of money (financial surplus) for a certain period of time in order to receive their return in the future plus compensation for:

the passage of time for which we have decided to invest,
the risk of making an investment.
Money is invested in assets, the value of which, according to our forecasts, will increase over time, which will allow us to generate a profit. The main purpose of investing is to protect your money from the effects of inflation, that is, against a decline in its value over time.

Find out what inflation is and how to protect your savings: Protect your savings against inflation

Basic principles that distinguish investing
We distinguish 7 basic principles that characterize investing. Here they are:

Each investment must follow a rules-based strategy.
The investment strategy should be profitable.
There is never certainty that an investment will be profitable or loss-making.
You must select an accounting period.
The accounting period must cover a sufficiently large number of investments.
The accounting period should close with a profit.
Keep track of your investment performance.
What is not investing?
Some people think investing is such a game. In fact, investing with the game has little to do, even with mutual funds. Why?

According to the definition, a game is an investment in risky investments, with an uncertain result, without prior analysis. In practice, investing capital is done at random - it may or may not work.

Profitable money investing does not look like this. The choice of assets in which we allocate funds must be conscious, justified and well-thought-out. We become a real investor only when we know the possible risks associated with investing and accept this risk. Knowing the risk, you can control it and, if necessary, react appropriately. There is no chance here.

How can money be invested?
There are many ways to invest free capital. Some are less, others are more effective. Find out about proven methods to multiply your money:

Savings account - this is the basic tool that allows you to invest your funds. It allows you to invest money on the internet. Transfers can be made independently or set up a standing order. The downside of the savings account is the low interest rate.
Deposit - has a relatively low interest rate, but higher than the savings account. We have short-term and long-term deposits at our disposal, the longer the deposit, the higher the profit.
Investment funds - recommended for people with no experience and knowledge in the field of investing money. In this case, fund specialists collect capital from investors to invest it further. The profit is shared between the owner of the money and the investor. The biggest disadvantage of mutual funds is that the supervisor does not care about the profit or security of the client, but only about investing, so he will continue to invest, even if it involves a loss of capital.
Bonds - issuers of bonds undertake to redeem them within a specified period of time and on specific terms. They are issued by specific entities, including banks, entities with legal personality, municipalities or entities conducting business activity.
Where to invest money?
There are many possibilities. We present 3 of them:

Stock Exchange - if you are counting on a big profit, check the investment opportunities on the Stock Exchange. You will need knowledge for this, because without it you can lose more than gain. You can buy company stocks or treasury bonds on the stock exchange. In order to start investing in the stock market, you must first set up an investment account.
Real Estate - Investing in real estate is a safe way to increase your capital and allows you to obtain steady long-term income. Later, you can count on an increase in the value of the apartment or house, and thanks to it fromthere is a lot to gain from sales. It is an option reserved for people with more capital, but also knowledge and experience in the field of real estate purchase.
Currency - currency trading involves buying currency in a bank or exchange office and then reselling it when the currency exchange rate is high enough to pay off. Experienced investors can try their hand at the forex, i.e. the global currency market.
Does investing money involve risks?
Unfortunately, yes - risk is an inherent part of investing. Risk is the maximum potential loss that can be recorded on an investment. On the other hand, the higher the risk level, the higher the potential profit that the investment can bring.

Products can be classified according to risk. We distinguish assets:

virtually risk-free (bank accounts, bank deposits, state treasury bonds),
low risk (corporate bonds, money funds, bond funds) - the risk is only a few percent,
medium risk (balanced funds) - possible loss may reach approx. 20-30% in the long term, but it is possible to exit the investment earlier in order to minimize losses,
high risk (equity funds, investing in stocks) - one should take into account the loss of a significant part of the capital in the short term, as well as the loss of all capital if the company collapses.
Safe investment of money is only if we can manage risk. Because in each case the risk can and must be managed in order to consciously and effectively minimize it. However, it is never possible to eliminate the risk completely - it will always accompany every investment.How to start investing? 8 steps to success
21 Jan 2019
7 min. reading
Do you want to multiply your money? Find out what is worth investing in and what mistakes not to make at the beginning!
How to start investing? 8 steps to success
In this article you will learn:

1. Find out what an investment is
2. Determine how much you can invest
3. Think about the risks you may face
4. Select the appropriate instruments
Do you dream about moving to a tropical island, not having to work for the rest of your life and only watching how the numbers on your account multiply? Well, probably like everyone else. Unfortunately, the reality is not that colorful and before you start making profits in investing, you just have to learn it. That is why I suggest how to start investing, where it is worth investing money and what to be careful about at the beginning.

If you are looking for a ready-made recipe on how to earn millions by investing, I must disappoint you and say that there is no such thing. Investments are just like walking - if you don't fall over, you won't learn. So let's take a little risk and try it for yourself. Before you do that, however, I encourage you to follow the 8 steps that will help you get used to your investments.

1. Find out what an investment is
Investment is different from consumption in that instead of spending money on something that will serve you here and now, you spend it on a purpose that (perhaps) will benefit you in the future. The term "maybe" appeared here not by accident, because it means uncertainty. It is this uncertainty that comes with the risk of investing - you will gain, lose or have the same amount.


So the key to successful investment is to find the instruments that will allow you to achieve the highest profits. But how to choose them? I explain later in the text.

2. Determine how much you can invest
First, define the amount you want to spend on the investment. Don't be tempted by a big profit and don't put all your savings into it. You must have at least a small financial cushion that will protect you in case of unforeseen circumstances (e.g. illness, loss of job). Start with a relatively small capital (e.g. 20% of your savings) and immediately take into account that you may lose this amount. It is etoro to serve you so that you can practice how to invest.

3. Think about the risks you may face
Only saving is 100% safe. It provides a stable profit, but relatively small. If you want to earn more, you have to take a risk. Remember, however, that even these less secure instruments also differ in the level of risk.

So, analyze your situation and answer the following questions:

How stable is your income? Is there a risk that you will lose your job in the near future?
How many dependents do you have?
Are you the only earning person in the family?
How Much Savings Do You Have?
What happens if you lose all the money invested?
Do you like to take risks or does it scare you?
This way, it will be easier for you to choose which instruments to invest in. What do you have to choose?

4. Select the appropriate instruments
You can choose from more or less risky options. Check where you can invest small capital:

Treasury bonds - these are securities issued by the State Treasury. When you buy them, you borrow money from the state, and when the bonds expire, you receive it with interest due. They involve a small amount of risk, because you may not get your money only when the state is insolvent, and that is not likely to happen. Find out more about bonds.
Corporate bonds - the difference from government bonds is that they are issued by private companies. They have higher interest rates, but are associated with a higher risk. After all, the probability that the company will fail, not the state, is greater.
Mutual funds - a form of collective investment where you entrust your money to experts. You choose the fund option - safe or more aggressive, and on this basis specialists select instruments for your portfolio (e.g. stocks, bonds, currencies, treasury bills). You can watch how your money is doing all the time, but it is mainly experts who follow and plan the appropriate moves. This is a good solution for people who do not want to spend too much time on their investment.
Shares - these are securities thanks to which you become the owner of a part of the company you choose. If it makes a profit in a given year, you are also entitled to a dividend payment. Stocks are traded on the stock exchange. Depending on how the company is doing and how the market reacts, stock prices fluctuate. You will gain if you sell them for more than you bought.
Currencies - Investing is tracking the rates of specific currencies and trading them when it is most profitable for the investor. It's worth getting acquainted with the Forex currency market, which allows you to trade currencies 24 hours a day on business days. Liceall transactions take place online. This market, however, comes with significant risks.
Cryptocurrencies - this is virtual money that you can trade at home. However, this market is not regulated by any central bank - it is created by the users themselves. You have to remember that investing in cryptocurrencies is very risky - you can lose a lot more than you have invested. Find out more about cryptocurrencies.
Remember one most important rule - never invest all your money in one instrument. If you hit a stock market crash or the insolvency of the company whose stock you bought, you could lose all your fortune. Therefore, when you choose what you want to invest in, break your capital into pieces. Donate some on safe instruments, where you will be sure that you will not lose anything, and invest some in places where the possibility of profit is higher, e.g. on the stock exchange or the currency market. https://www.etoro.com/investing/investing-vs-trading/

An example of how to divide your capital depending on how much you can risk can be found in my text: How to invest 50,000. zloty?

5. Learn from experts
When you're just starting out, it's worth getting inspired by how successful people have invested. Of course, it will be ineffective if you completely duplicate their strategy, but you can see things worth paying attention to. I bet you will have a hard time finding the time to read all the stories available. That's why I found a beginner's position for you to start with. This is the story of Silicon Valley visionary Elon Musk, who you may know as the founder of Tesla. In order not to waste your time, the publication is a free audiobook that you can listen to while driving or cleaning.

6. Learn from someone else's mistakes
Now that you have learned about investment success stories, don't forget about failures as well. They are even more important than spectacular victories, because they bring you a real benefit - you will learn the most common mistakes in investing. The ones that you should avoid at the beginning in order not to lose your invested capital are:

investing all your money in one instrument,
taking loans for investments,
unlimited trust in an investment advisor,
succumbing to emotions,
investing "by feel", without prior analysis.
7. Invest
Now that you know what to think about when you want to become an investor, all that's left to do is put your plans into action. Depending on what instruments you have chosen, you can:

open an account in a brokerage house,
deposit money into a deposit,
open a demo account in the Forex market,
buy bonds,
acquire foreign currencies.
8. Learn all the time
After you buy the securities, your path is just beginning. If you want to act alone, you still need to watch the market signals to be able to react appropriately. If you choose an investment advisor, you need to spend a little less time. However, in return, you must regularly verify whether your advisor's actions bring you the expected profits.

If you want to invest successfully, the most important thing is to keep training. Go for training or talk to an experienced player and try to get as many clues as possible for yourself. If you do not have time or you do not want to incur the costs of studying, I recommend that you check out 5 items that are an absolute "must have". Receive them for free and enjoy the knowledge you have gained.

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