Investing is an avenue many people are exploring to grow their wealth for the future. There are many options to consider, and during times of low interest rates investors can enjoy good returns. However, unlike savings, investments offer no guarantees, so it’s important to consider the following aspects beforehand.

1. INVESTING?
Should You Consider

2. Volker Hartzsch
2

3. Volker Hartzsch
3
Should You
Consider
Investing?
Investing is an avenue many people
are exploring to grow their wealth for
the future. There are many options
to consider, and during times of low
interest rates investors can enjoy
good returns. However, unlike savings,
investments offer no guarantees, so
it’s important to consider the following
aspects beforehand.
Financial Position
Ideally, it’s best to have accumulated savings
and paid off any unsecured interest-bearing
debt before considering investing. These savings
will ensure that there are sufficient reserves to
cover any unexpected costs, while paying off any
debt will ensure that there are more resources
to channel into investments.
Investment Goals
A serious investor should have goals that guide
their investment efforts. Primarily, investments
are often taken as a way of building up resources
for future needs, such as retirement or a child’s
education. This goal will guide the types of
investment to consider and the risks to take.
Additionally, the sooner an individual begins, the
more time there is for the investment to grow.
What’s the Focus?
Investors make money through growth or
income. With the former the income generated
is reinvested, so the investment is likely to
grow over time. With the latter, any income
an investment generates is paid directly to the
individual. A growth-focused investment is good
for the long-term, while an income-focused
approach can work for the short-term.

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