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These days you don’t have to be a ‘Gordon Gekko’ or ‘Jordan Belfort’ to start investing. Opportunities are everywhere and in the age of the internet, you can open an investment account and buy shares in some of the biggest companies in the world in just a few minutes. But even though investing your money has become as simple (in principle) to buying your Nan’s Christmas present off eBay or Amazon – that doesn’t mean it’s suitable for everyone.


Key to choosing whether you should save or invest is your attitude to risk. One of the great things about investing is that it can deliver an unbeatable return on your investment when compared to savings accounts… especially at the current rates. The downside however, is that there is always a possibility that you can come away with less than you started and if you cannot afford for that to happen or you’re simply not willing to accept the risk of that happening – investing is probably not for you.

Are you in it for the long term?

Another key consideration when choosing whether to save or invest is the length of time you’re willing to let your money be “out of arms reach”. Whilst you might have dreams of investing for just a few weeks, making the perfect choices and then sailing off into the sunset with a boat load of cash – typically investments are made for the mid-long term (5 to 10 years plus). You’re only likely to make it big in a few weeks, if you’re already an experienced, long time trader living and breathing investments, with hundreds of thousands of pounds to play with on a daily basis… and even then there’s no guarantee. With that in mind, if you are going to invest for the long term – it’s important not to let yourself “get spooked” by the market. Markets are by nature volatile beasts and reacting to the short term ups and downs rather than buckling down for the long term will likely see you lose a sizeable part of your initial investment.

Having said that, investing can be a fantastic way of turning a relatively modest post of money into something really worthwhile if done correctly. The best place to start is by talking to a Financial Adviser who can fully explain the risks involved, assess your attitude to risk and capacity for loss, then provide you with a wide range of investment options that match your risk profile and are suitable for your needs. What’s more – an Adviser can add further value by actively managing your investments and proactively advising you when to make changes or invest more money.

The value of investments can fall as well as rise. You may get back less than you invested.

If you would like to learn more about investing, why not speak to a member of the Credius team today on 020 7562 5858 or email us at We’d love to hear from you.

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