Investing Isn’t About Perfect Timing It’s About a Long–Term Approach
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FINANCE
Invesng Isn’t About Perfect Timing
It’s About a Long–Term
Approach
And this is where the first problem can arise. There
are so many options available today that people
sometimes start thinking about the investment itself
before they have even answered the question of why
they want to invest.
Yet this is precisely the question the whole process
should begin with.
Investing means something different to someone
building up a retirement reserve for thirty years’
time than it does to someone who plans to use
the money in five years. It is therefore essential to think
about the goal and the time horizon. The longer
the money can remain invested, the more room
an investor may have to ride out short–term fluctuations
in the financial markets. A long time horizon, however,
does not in itself mean that a person has to take on
a high level of risk.
Time itself can be a significant advantage. A young
person with several decades until retirement
is in a different starting position from someone who
will need their money within a few years. A long–
term horizon may allow for a greater focus on
growth–oriented investments, provided this is in line
with the investor’s goals, experience and willingness
to accept fluctuations in value. However, this is not
a universal rule. There is no single right investment
for everyone.
Nor is it necessary to wait until it is possible to invest
a large amount. For long–term goals, regularity may
be more important than trying to identify the perfect
moment. Regular investing can gradually help build
wealth while also spreading purchases over time.
This means a person does not have to constantly
wonder whether today is the best possible time
to invest. Regular investing, however, does not protect
against a fall in the value of an investment.
Another fundamental principle is diversification.
Put simply, it means not putting all your eggs in one
basket. Spreading investments across different
types of assets, regions or sectors can help reduce
Invesng is becoming an increasingly common part of people’s nancial lives. People are realising
that money set aside for the long term can have the potenal to grow, and that the future cannot
be built on savings alone. At the same me, it has never been easier to access a wide range
of investment opportunies. Simply go online and, within minutes, you can come across shares,
funds, bonds, cryptocurrencies or oers from various investment projects.
Konečné investiční rozhodnutí je vždy na klientovi.
Úlohou pracovníka investičního zprostředkovatele
je poskytnout mu srozumitelné informace o investič-
ních nástrojích, které mohou být v rámci poskytované
investiční služby zprostředkovány, a o jejich podstat-
ných parametrech, rizicích, nákladech a likviditě tak,
aby se klient mohl rozhodnout na základě vlastního
uvážení.
Investování je dlouhodobý proces, ve kterém hraje
roli čas, pravidelnost, diverzifikace, riziko a především
porozumění tomu, do čeho člověk své prostředky
investuje.
Tomáš Mrajca, ROYAL VISION s.r.o.
Článek má obecný informační a vzdělávací charakter
a nepředstavuje investiční poradenství ani individuali
-
zované investiční doporučení.
Upozornění: Investice do investičních nástrojů nese
riziko, včetně rizika ztráty části nebo celé investované
částky. Hodnota investice může kolísat a návratnost
vložených prostředků není zaručena. Minulá výkon
-
nost není spolehlivým ukazatelem budoucí výkonnosti.