Investing — Femvestors

Women & INVESTING

Research shows that women make better investors than men, yet in comparison more men invest than women. Fidelity International has described the key barriers that exist that stop women from investing as follows; a lack of time, confidence, access to the right information, industry jargon and not knowing where to start.

Femvestors want to help women break down these barriers

**THE IMPORTANCE OF PRIORITISING investing in our financial planning**

Many of us have been taught to think like our grandparents, **‘Save for a rainy day’, you never know what tomorrow may bring’**.
Whilst we can all agree with this statement, it can also limit our potential net worth far more than investing for the future.
We believe that savings should generally be for the short term and ideally have an end goal. This should entail saving an emergency fund for situations like a car of home appliance breakdown, or even more serious life impacting circumstances such as, change of a family or living situation and income or job loss.
Investing should be more for the long term, this is what enables us to dream and offers peace of mind for the future.
Investing will allow us to have financial independence, create generational wealth and can frees us from the bondage of needing to work at retirement age.

**BENEFITS OF INVESTING VS SAVING**
The benefits of investing have been proven to far outweigh the trivial gains given by the standard savings accounts.

It is important to understand that hoarding money in banks or standard savings accounts, is unlikely to afford you the lifestyle you want for tomorrow due to inflation.

**LETS SEE SOME SUMS**
**If you deposited $2,000 in a savings account at a 3% annual interest rate, it would grow to $3,612 in a 20 year period (before taxes).**
**The same $2,000 invested in a stock mutual fund earning a standard average of 10% a year would grow to $13,455 in a 20 year period (before taxes).** (source: smartaboutmoney.org)

“Save to Invest, don’t Save to Save. The only reason to save money is to Invest it.”

— Grant Cardone

computer and notebook.png — **Before you start investing**

Here are a couple of questions you need to ask yourself before you embark on your first steps to creating or growing your investment portfolio.
What is your plan?
To get started successfully you must plan both offensively and defensively.
Do you have an emergency fund?

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Instagram Minimalist Brown (36).png — Where should YOU put your money?

So, you’ve decided to get serious about your wealth journey and you are ready to invest.
First question that comes to your mind is which type of investment should I begin with ?
**STOCKS** are the most well known and the easiest to start with You are basically buying piece of the pie (share of a company) in the hopes of the value of the stock growing and/or also paying out dividends (profit) paid out to you by the company.

**BONDS** are loans to entities or governments, your return on a bond is the interest payment made.
**INDEX FUNDS:** A portfolio of stocks or bonds designed to mimic the composition and performance of a financial market index. Index funds have lower expenses and fees less actively managed funds. Index funds follow a passive investment strategy.

**MUTUAL FUNDS**: These are a pool of investors investing their money in several companies, Mutual funds can invest in a broad array of securities: equities, bonds, commodities, currencies and derivatives. mutual funds’ value is simply the net asset value of your investments, which is calculated at the end of each trading session.

**EXCHANGE TRADED FUNDS** ETF’s are similar to a mutual fund, It tracks a market index and can be bought or sold on the stock market while mutual funds are only bought and sold through a fund company
Like stocks the price of an EFT fluctuates throughout the trading day.

OTHER INVESTMENT TYPES

commodities

It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.