If you're about to start investing, the most important thing to consider is your attitude to risk. How much money are you willing to risk for a potential reward?
Among investment products, typically:
Your attitude to risk
Keeping your goals in mind, have you asked yourself the questions below:
High risk vs low risk
Everyone has different reasons for saving and often your wealth management goals can be a deciding element in how much risk you're prepared to take with your money.
If you're making a wealth management plan for your children's education, then you might be investing over a long period of time and looking for a high return. As a result, you might prefer a comparatively high-risk investment option.
Should your goal be to purchase a new car, go on holiday or decorate a house, you will be investing for the short term and expecting a guarantee of your investment. Accordingly, you may prefer a low-risk investment option.
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You first need to understand your financial needs, investment objectives, financial situation and risk appetite.
Your goals may include the following:
Protect your family
Children's education
Retirement planning
Wealth management and growth
Legacy planning
You should also consider your goals, investment tenor, affordable investment amount and personal investment preferences.
Financial planning is a sound financial management process to develop and achieve personal and family financial goals through investments, asset allocation, risk control and retirement planning. Financial planning is not simply saving money or cutting living costs. Reasonable financial planning can help individuals and families set financial goals for different life stages and help them achieve these financial goals through proper investment tools and portfolios. It could contribute to wealth accumulation and growth as well as prepare individuals and families to respond to adverse effects of unexpected events.
There is no set formula for financial planning. It varies by person, circumstance and life stage. You should start your financial planning as early as possible.
