An income seeking strategy for those who need a steady income stream with reduced volatility.
Seeking capital gains for higher levels of growth and able to withstand higher volatility.
For conservative investors who want to minimise volatility to preserve wealth.
With a focus on protecting the environment, planet earth, and reversing the damage already caused by the human race.
A modern theme that seeks to promote equality, inclusion, better governance, and avoiding socially damaging companies.
Like most aspects in life, it is important to get a good start. Your 20s represent the beginning of your journey in adulthood and the first steps in financial planning.
Budget your income and expenses, create a disposable income, and save up liquid funds for emergencies and invest for the medium to long-term to create real wealth.
Regular savings is a practical way for those with lower earnings to build up wealth, utilising regular paychecks to invest into a diversified portfolio of investment assets.
At these early stages of the life cycle, one may plan for buying their first property, a place to call home, which requires careful planning and discipline to get onto the property ladder as early as possible.
Overall, the 20s is a great time to save, to form good money habits, and to get a financial head start in life, building a solid financial future.
You've got some really big decisions in your 30s, which likely relate to family planning, career direction, and property - you are "putting your roots down".
It becomes apparent that savings and investments become critical to enabling planned events in your 30s, funding big expenses so that you can progress in your life.
Careful diversification, asset allocation, strategic allocation, and risk management all play a crucial role in your investment success.
At this stage, it would be prudent to consult with a professional financial planner to plan and strategies your finances to target your financial objectives and align with your life goals.
In progress...
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