Hi Bibiana! The first step should be to check why the company is making a loss. If it is because the company is in the initial stage of its business, you can look at the annual report to check if the company and it's management are making the effort to make the business grow and if returns are foreseeable in the future. Another scenario can be when the company is making expansionary decisions, it may have a large outflow to fund the new projects. This is, in fact, a positive factor in case the projects are successful. So it is advisable to do a case by case analysis to find the reason why the loss is there and judge if it can be avoided in the future. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! I think a good approach to go about planning for big-ticket expenses is to have a timeline for all of them along with tentative amounts fixed for each. This will allow you to have clarity on the cash flows that you will require at points of time in the future to fulfil the purchases. Now, consider each of these to be a separate financial goal and go about investing in a manner that you have enough saved up by the time the event arises. Retirement is not really a one-time expense and so it cannot have a fixed date on the timeline. However, the age that you plan to retire at can be taken as a starting point to arrive at a corpus value that you will require to sustain post-retirement. Based on these financial goals and your risk appetite, you can create a portfolio. You can make use of a robo-advisor to help you arrive at the optimal portfolio. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! There is no particular pattern that the market follows. It is volatile and goes up or down at any time of the year. So as an investor, I follow the practice of investing regularly and plan to remain invested till such time I do not have any use for those funds. Investments for the long term usually have better returns than short term investments because the market is very volatile in the short term. Thus, remain invested and ride through the volatility to get good returns from your investments. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! Agreeing with Wilson, you do not invest in a robo advisor, but you can invest through them. A robo advisor is capable of creating an ideal portfolio for you based on your financial goals and risk appetite. The returns will depend upon the amount of risk that you are willing to take as returns go hand-in-hand with risk. Hence, a person with a portfolio with higher risk exposure should provide a higher return as compared to one with low exposure to risk. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! Zero risk is only a hypothetical situation and is not really achievable. However, there is a possibility to have lower risk investment opportunities. The savings can be invested into a well-diversified low-risk portfolio so that you can earn some return as well as keep the capital safe. You can make use of a robo advisor for the same, which will create an ideal portfolio for you based on your financial goals and risk appetite. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! One way to protect yourself in bad economic conditions is to apply the All Weather Strategy. This strategy creates a diversified portfolio, which provides stable returns in different economic conditions, by combining different asset classes together. You can invest in such a strategy using a robo-advisor as well to have a pre-curated All Weather portfolio. You can read more about this strategy here. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! I think the first thing you should consider is an emergency fund. This should cover 4-6 months of your experience and you can keep this aside in a savings bank account so that it is liquid and still earns some return. After this, consider an insurance plan. Once both of these have been accounted for, you can use the excess amount to start investing. Here again, you need to have some sound knowledge before you get into investing. I would suggest starting out with a dummy portfolio so that you can get an idea of the markets. While doing this, you can try using a robo-advisor, which will create a portfolio for you based on your investment objectives and risk appetite. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! As a recent graduate myself, I understand the eagerness to start investing ASAP and grow the capital. However, starting out without an income is not ideal because slowly you will deplete away your savings and put them as investments. It is critical to have some emergency funds and before you start investing because investment markets are volatile and you may need the capital immediately in case of an emergency. Hence, savings will be a good liquid option to fall back upon. Once you have a stable income, you can explore robo-advisors to take you through your investment process by customising solutions based on your financial goals and risk appetite. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi Wallace, First thing would be to stay calm and not take a panic call. If you invested in these based on some research, revisit your work and see if those points which convinced you to invest still hold. If they do, hold firm on your decisions and ride the storm with patience. If you feel like the situation has changed and wish to switch your position, steadily exit your position and look for alternatives to invest the capital that is freed. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi Kelvin, At a young age, the risk appetite of an investor is usually high. If this is the case, we can have a portfolio with a higher weight on equity as compared to fixed income, say a 60:40 portfolio so that he can have larger exposure to assets which will help him grow his capital. However, if the risk appetite is not too high, the all weather strategy can be applied. This portfolio creates an asset allocation, which provides stable returns in all stages of the economic cycle. You can read more about this strategy here. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.