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My goal is to grow my money through a long term investment method that will generate profits throughout NS and university. What types of investments should i focus on and are there any places for me to gather more knowledge before i start investing? I have read a bit on value investing but it still feels like gambling to me when i invest. Also is it wise to rely on roboadvisors?
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Alex Chua
06 Nov 2020
Seedly student Ambassador 2020/21 at Seedly
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Since u're still young, with a long time horizon and supposedly high risk appetite, go for equities. dca monthly, pump and forget
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If you are asking these type of qusstions you should not be in the investing committee...
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Adding on to what Andy Chan has mentioned:
The easiest way to invest for the long term is roboadvisor because it is very diversified, low capital, little time commitment. It is a good starting point and a good foundation to build on your portfolio. Investment is about managing your risk-reward appetite. If you are adventurous and wants to have generated more capital/profit, you could invest in stocks or bonds. For e.g portfolio of 70% ETF,10% cash, 20% stock pick. Thus, I would say that it will be great to have some roboadvisor /ETFs to ensure safer capital growth
(Value) Investing = Gambling?
Gambling is usually associated with the words 'risky'. Risk comes from not knowing anything or venturing without any plans. For example, An investor is willing to pay you for climbing Mount Everest.
Choice A: Awarded 1 billion if you go the next day
Choice B: awarded 0.5 billion if you went 2 years later
Choice C: Awarded 10 Million if you went 3 years later with professional coach training you and assisting you
You may not choose choice A because you are high likely to die
You would choose Choice C over choice B because you have time to prepare yourself.
Same goes for investing. The more knowledge/ data you have about investment or company, the confident you will be.
Value investing is the process of choosing underpriced stocks appeared at the marketplace. There are ways to calculate the stock value in the subsequent year. The calculation is based on historical financial statements
Example: Stock A's intrinsic value is $1 while the stock A's market price is $0.50..
You will then have to wait till the market realise the stock's true value before you sell.
You can read The Intelligent Investor by Benjamin Graham, the father of value investing
Now, the idea of value investing has evolved. Learning how to choose a great company. This means selecting great fundamentals, great economic moat, great management, etc
Anyway, all the best