Broker Check
CRS

Investment Process and Services

While money doesn't grow on trees, it may grow if you invest or save it wisely. As you come into money—whether from a new job or from a substantial inheritance—you will come across different pieces of financial advice, such as investing and saving.

Whereas saving is ideal for ensuring financial freedom for unexpected reasons, investment is a long-term strategy for building wealth. Fortunately, if you have accrued some significant savings, you may develop a strategy to start investing with that money.

Are you a first-time investor? Here is an expert guide on how to and where to invest money.

<h2><b>What is Investing?</b></h2>

What is Investing?

An investment is ideally an asset that you create with the sole intention of allowing your funds to multiply. Investing is, therefore, the act of developing a strategy or an investment asset that ensures your money's growth.

Investments may grow your money in a couple of methods. For starters, by investing in a saleable asset, you may generate income through profit. Alternatively, if you invest in a return generating plan, you will generate income by accumulating gains.

<h2><b>How to Start Investing</b></h2>

How to Start Investing

There is no one-size-fits-all answer when looking for ways to start investing. Choosing what works for you is the best approach to investing money. Regardless, here are a few things you should consider before proceeding:

  1. Your style
  2. Your budget
  3. Your risk tolerance.

Style

How much time are you willing to put into investing? Generally, investing can be classified under two broad categories; active investing and passive investing. On the one hand, active investing means you are in complete control and monitor your investment portfolio without outsourcing help. On the other hand, active investing requires your time, knowledge, and commitment fully to ensure successful investing.

On the other hand, passive investing equates to putting a plane on autopilot, meaning you put your money to work in an investment vehicle as someone does the hard work. Alternatively, you can go the hybrid approach, which often involves hiring an expert investment advisor to implement a strategy on your behalf.

Budget

How much money are you willing to set aside for investments. Contrary to popular opinion, you don't require a hefty sum to start investing. With as little as $100, you can put your money to good use.

However, investors who fancy investment diversification into different investment vehicles typically are comfortable putting in large sums of money. Therefore, before you set aside investment money, ensure you create an emergency fund for taking care of unexpected needs without needing to sell your investments midway.

Your Risk Tolerance

Not every investment tends to be successful. Risks and returns are directly proportional when investing. Therefore, it is advisable to balance maximizing returns on your investment against determining a risk level you can endure comfortably.

Frequently Asked Questions

Currently, there are several alternatives where you can invest your money, each carrying its risks and rewards. Below are some examples of where to invest money in 2022:

  • High-yield savings account
  • Bonds (government bonds, short-term corporate bond funds, or municipal bond funds)
  • Cryptocurrency
  • Real estate (rental housing)
  • Index funds (Nasdaq-100 index funds, S&P 500 index funds)
  • Exchange-Traded Funds (ETFs)
  • Certificate of deposit

Consult a registered investment advisor on the possibility of diversification into various investment vehicles to spread your risk and rewards evenly.

While risk may be inevitable, here are some ways you can mitigate risks:

  • Proper asset allocation
  • Portfolio diversification
  • Dollar-cost averaging

Investing and saving are equally fundamental to sound financial planning. Since both have different goals, it is often hard to label one as the other. However, if you have built a substantial emergency fund and want to grow your wealth, an investment advisor is more likely to recommend investing.

Yes, you should. Investing is technically a personal choice. However, your financial advisor can advise you on the benefits of investing and how you can invest based on your current financial status. Investing is a brilliant idea to grow your wealth for the long term.

As previously mentioned, investments carry risk and reward, sometimes in equal or varying proportions. Therefore, you may come across risky and safe investments when beginning your investment journey. Safe investments generally have a low risk of losing value, whereas risky investments are increasingly volatile and may end in loss. Therefore, it is safe to invest if you are reasonably confident in your intended investment vehicle.

If you are a beginning investor, liaise with an expert financial and investment advisor to help you make informed decisions. Consulting a financial advisor is also among the ways you can mitigate risk. More importantly, ensure you get a professional registered investment advisor with experience in the financial sector before making any first step. Find out more on investments from experts in the field.

Simplified, goal-based investment plans

We serve clients with a variety of needs. We offer a full financial planning service, but many of our clients already have a plan in place and simply hire us to manage their investment portfolios.

Investment strategies/management include the following:

  • Risk assessments and management.
  • Customized investment policy document.
  • Development of optimal asset allocation and periodic allocation review and rebalancing.
  • Selection and monitoring of investments.
  • Investment policy review and updates.
  • Performance monitoring reports.
  • Tax loss harvesting and tax minimization strategies.
  • Comprehensive portfolio reviews.
  • Investment education and Behavioral finance advice.
  • 24/7 “cloud-based” account access.Personal financial website with important document “vault”.
  • Cash management.Distributions.Deposits. ACH and Wires


We are committed to the fiduciary standard and believe in a transparent, all-inclusive flat fee instead of commissions. We accept no commissions or other incentives that might cloud our judgment or sway our allegiance. We work for you and your family alone. We would much rather be compensated for the services we provide and performance Instead of being paid only when we convince you to buy or sell something.

REQUEST A FREE NO OBLIGATION PORTFOLIO REVIEW

Let's Connect!

Thank you!
Oops!