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How to invest wisely

How to Invest wisely?

by Holistic | Filed Under: Investments

To understand how to invest wisely, first of all, you need to know why to invest. Only if you understand this part clearly, then you can move on to know how to invest wisely.

Investing –Why?

Where money is concerned, there is no greater truth than the saying “money begets money”. The more one makes money, the easier it becomes to make it grow further. It is however important to remember that a certain amount of know-how to invest wisely and discipline is necessary to make money grow.

Most people endeavor to earn money to make a living. The money earned is spent in meeting all the necessary periodical financial obligations and liabilities. Any excess of earnings over expenses is savings.

This money, or savings, is the seed to the process of investment. Savings lying idle can lead to its erosion due to inflation so it is a wise decision to seek avenues for investing this money gainfully. It is at this point the people start investing.

Know how to Invest Wisely

Simply stating that one should start investing, is easier said than done. To know how to invest wisely, there are various conventions and rules which need to be considered carefully in order to understand the intricacies of investment.

How to Start Investing Wisely?

Potential investors, who seek to know how to invest wisely, need to get acquainted with the basics of investment.

Similar to the “Ten Commandments” in the Bible, here are a few commandments which every investor should know, to understand how to invest wisely, when they begin their journey into the world of investments:

1. Start Investing Early

It is never too late to start, but the sooner one starts to invest the better it is. A head start can actually help people in retiring rich. It also helps to gear people better while faced with financial upheaval and credit crunch.

Starting to invest early, benefits the investor
by taking the stress out of financial emergencies, which come up in life unexpectedly. People find themselves in a better position to meet the different financial requirements at the various stages of life.

Starting to invest early is the first step in knowing how to invest wisely.

2. Set Investment Goals

Goal setting is important before venturing into any endeavor and while starting to invest it is no different. A well laid out financial plan with a definite and achievable target set for a specific time frame is the essence of investment goal setting .

In order to figure out how to invest wisely, you need to have direction that takes you to your financial destiny. This direction comes from investment goals.

3. Invest Regularly

Regularity is a hallmark of a disciplined approach and those who want to learn how to invest wisely should know this. Investing is not a one-time exercise. The factor of continuity is useful and helps to deliver good returns on investment.

The habit of regular investment is sure to stand investors in good stead in the long run. More often than not, it facilitates healthy growth of money through the process of compounding.

4. Be Patient

Patience is another virtue which people learning ‘how to invest wisely’, need to imbibe within themselves. A patient investor is well rewarded by healthy wealth creation which can never be achieved overnight. Long-term investments are more likely to provide good returns as the risks are mitigated due to the time spread of the investment.

Gold investment

Tips on how to Make New Investors Wealthy and Wise

Once the commandments have been understood, potential investors need to gather knowledge on ‘how to invest wisely’ so as to become a wise and smart investor. Here are a few useful tips to better equip the investor with how to invest wisely and make them successful in their quest to grow money:

1. Understand before Investing

Always look before you leap. It is of utmost importance to understand the nature and possible consequences of a particular investment before actually investing in it.

If the investor does not know what the particular investment is all about, then how can he invest wisely? So it is best to avoid it.

2. Invest as per the Investment Goal

Whatever one chooses to invest in, stock, share, bonds, fixed deposits, real estate, etc. it should be aligned to the investment goal. Going after a share or group of shares just because it is being hotly traded can be detrimental to the interests of the investor and may hamper attainment of the goal.

Investing as per the investment goal is an effective strategy on how to invest wisely.

3. Select Investment Instruments Wisely

Knowing how to select investment instruments wisely is an integral part of ‘how to invest wisely’.

Requirements change over time and the investor has to choose instruments based on the investment priorities. Investment instruments for daughter’s marriage or education of children will differ from those required for purchasing a house. Instruments used to save for retirement will differ from those used for vacation planning.

To know how to invest wisely, gaining knowledge on different investments suitable for different time frames is important.

4. Safety Net

This is an important message on how to invest wisely. It is better to be safe than sorry. Aiming to get rich overnight can spell doom. The investment portfolio should be such that it is evenly balanced between the low risk and high risk options.

Also invest in instruments which are regulated by the regulatory authorities. By investing in unregulated assets, you are taking blind risk. Taking well calculated risk and avoiding blind risk are vital wisdom on how to invest wisely.

5. Seek help of Professionals and Wise Counsel

The world of investment may not always deliver what it promises to deliver and behind the shine there may be a scam. So it is always good to seek professional advice Knowledge is strength, always.

Professional assistance will help you fasten your learning on how to invest wisely.

6. Keep it Simple

It is not always necessary to adopt complicated investment strategies to achieve one’s investment goals. Spreading out the investments in different types of mutual funds can be good enough and more effective than researching, tracking and investing in structured investments and alternative investments which are volatile and unpredictable.

‘Keeping it simple’ looks like a simple idea; but it is a profound and powerful idea on how to invest wisely.

Conclusion

While investment and returns sound exciting, they can be a very boring and staid. Patience, simplicity and knowledge are three important aspects on how to invest wisely, which if subscribed to, can make the investor smile at the end of the day.

If you have any comments or questions, write them in the comment box below.

Or are you interested in creating a Comprehensive Financial Plan for your financial goals?

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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