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“Financial basics” learning path: module 4 of 5
Invest with foresight and achieve your long-term goals
Close pension gaps, fulfil long-term goals and achieve financial independence? Targeted investing can make an important contribution.
Compared to men, women are less involved in financial decisions. They also invest their money less frequently. One reason is that they believe they are less knowledgeable about financial products and investing. And yet various studies show that women in fact often invest more successfully than men.
Time to take finances into your own hands.
Thanks to a budget plan, Antonia has her day-to-day finances under control. She puts money aside systematically and can reach the maximum amount of her pillar 3a with regular deposits. By the end of the month, she often has about CHF 50 left, which she transfers to her savings account.
Over a cup of coffee, Antonia’s aunt explains that the savings in the account are losing value due to low interest rates and inflation. “Investing is the new saving,” says Antonia’s aunt. “Could be,” thinks Antonia, ”but is it even worth it with just CHF 50 a month? Besides, investing is very complicated and can be risky, can’t it?”
The term inflation describes a general increase in prices, when not only individual products and services, but life in general becomes more expensive. It means I can buy less with the same amount, because my money is worth less than before. In the context of saving, this is particularly serious as savings that lie “dormant” in an account lose value continuously unless you take action.
- Long-term investments generally offer higher potential returns than keeping money in a savings account.
- You should only ever invest as much money as you can spare over a longer period of time.
- The golden rule of investing is not to put all your eggs in one basket. Invest in a diversified manner, across various asset classes, countries or industries.
- Your personal investment strategy depends on various factors, including the goal of your investment, your risk tolerance and risk capacity (risk strategy), the period over which you want to invest the money (investment horizon) and also values that are particularly important to you when investing, such as sustainability or equality.
- Stick to your investment strategy and don’t be unsettled by price fluctuations. Experience shows you will ultimately achieve a higher return this way.
- There is no perfect time to start investing. It is important that you start early and stay invested. To benefit in the long term, however, the best time to invest is right now. The earlier you start, the more time you have to grow your money, even with small amounts.
- Investing smaller amounts regularly is usually more worthwhile in the long term than a large sum all at once.
- Module 4Invest with foresight: how to achieve your long-term goals
Women’s Wealth Academy
Women who actively take care of their finances increase their chances of achieving financial security and are more optimistic about their future. Take your finances into your own hands.
