With a savings rate towards 0%, the step to investing is becoming increasingly attractive. Where do you start With ‘investing for beginners’ we provide a step-by-step plan.
Close to negative savings interest
The savings interest is extremely low. So low that a negative savings interest rate is possible. Fortunately it is not that far yet. However, anyone who pays a capital return levy on part of the savings is already faced with a negative return. This makes the step to investing increasingly attractive.
More return possible
Starting investing is an opportunity to get extra return on your assets. However, investing is an alternative to saving is a big misconception. While your assets are guaranteed up to € 100,000 under the deposit guarantee scheme, there is no security for investing. In addition, every household needs a buffer of savings.
There are alternatives to saving in the form of deposit saving and saving with conditions. Here it is still possible to put money away for a longer period at rates of up to 2%.
Step-by-step plan for investing
You invest with the part of your assets with which you can and want to take a risk. You can control how great that risk is. With the step-by-step plan ‘investing for beginners’ you will be introduced to the different ways and products to invest and you will know what to look out for. We discuss the following 5 steps:
- Is investing suitable for you: are you willing to run the risk that your money will be worth less?
- Determine your risk profile: do you want to invest offensive, neutral or defensive?
- Choose how you are going to invest: are you going to invest or fund investing yourself?
- Compare the different providers: for ease of use and costs, among other things.
- Start with (online) investing: we provide tips about products in which you can invest.
Investing increasingly accessible
Nowadays you invest completely online. This makes investing user-friendly and accessible to everyone. Trade in shares from your living room or check via an app how your investment fund is doing.