Getting started in investing can be confusing and may ultimately mean apathy takes over. Investment themes help to get the conversation going and we have five themes we've developed to get the conversation going and help investors find an investment approach that is right for them.

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.

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