The Basics of Investing

Investing is not only for the rich and powerful but also for the average man and woman. Investing is making your money work for you so that you can achieve your goals.

So to ensure you are ready to take that investment plunge, here are some helpful investment tips:


One of the biggest mistakes people make with investments is not understanding themselves. This error causes a discrepancy between what you want vs. what you need.

  • Life cycle?
  • Goals?
  • Risk Appetite? (conservative, moderate, or aggressive)

Type of account

Investment firms offer the same variety of account to cater to client’s needs; the terms may differ.


suitable for the knowledgeable clientele. They know what securities to buy, sell and at what price, essentially in total control paying only a trade fee.

The Managed Plan

you can identify a managed plan by the statement “management fee”. A pre-packaged plan where you pay for the expertise of an advisor who makes investment decisions on your behalf.

Private Wealth Management

a combination of the previous two mentioned this account caters to high net worth clients or companies, where clients have autonomy while simultaneously having advisors managed their portfolio.

Don’t get invested emotionally.

One of the biggest obstacles is the inability to keep your emotions in check and make logical decisions about your portfolio.  Stock prices fluctuate; it is the nature of the markets. Do not be a knee-jerk investor; it could cost you.

The company you know and trust.

Not to sound like an advertisement but this statement should apply to your investment philosophy. Invest in companies you know and grew up with; chances are they have been around for a while and developed a reputation for being a stable company.

You can find at least ten companies on the stock market in your home right now:  your phone, laptop, clothes, the food in your pantry and so on. The key thing to note is if you would never buy the product or services do not put it in your portfolio either.



Diversification is your investment best friend!  You have heard the saying, “Don’t put all your eggs in one basket,” same applies to here. Do not invest all your hard earned money into one security, country or industry. While you cannot eliminate all risks involved in investments, savvy investors minimize their risk by diversifying their exposure.

Buy Low. Sell High

The general rule of thumb for investing is to buy a stock at a low price and sell at a higher price. The dilemma is timing; it is everything! Not every stock that is low in price is worth your time. When a stock is cheap, it’s important for you to ask “Why?”.

Annual Checkup

Just like you, your portfolio should have an annual checkup. Throughout the year your priorities and goals may have changed, ensure your investments reflect that. When revising your portfolio look for securities that consistently underperformed and outperformed.

Anything contained in this website is not shall not be construed as legal, tax, investment, financial, or other advice. Although care has been taken in preparing the information provided to you, we cannot be held responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage you may incur. The contents and articles are for informational purposes only and should always do you own due diligence. The information on is not intended to be investment, financial or legal advice. Seek a duly licensed professional for legal, tax or investment advice.

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