{"id":52333,"date":"2025-04-17T08:09:06","date_gmt":"2025-04-17T08:09:06","guid":{"rendered":"https:\/\/www.premium-partners.net\/?p=52333"},"modified":"2025-04-17T09:02:16","modified_gmt":"2025-04-17T09:02:16","slug":"5-expert-investing-tips-to-build-wealth-today","status":"publish","type":"post","link":"https:\/\/www.premium-partners.net\/fr\/builder\/5-expert-investing-tips-to-build-wealth-today\/","title":{"rendered":"5 expert investing tips to build wealth today"},"content":{"rendered":"

This post<\/a> was originally published on this site<\/a><\/p>

<\/p>\n

In a world where dramatic market swings and economic uncertainty have become the norm, making smart investment decisions has never been more important. To build wealth confidently, it is important to understand the foundational steps to investing money wisely.<\/span><\/p>\n

Ashburton Investments<\/span> shares five expert-backed investing tips anyone can apply, whether you are getting started or looking to fine-tune your long-term strategy.<\/span><\/p>\n

 <\/span><\/p>\n

1. <\/span>Start with a plan, and start young<\/span><\/strong><\/p>\n

It\u2019s easy to get overwhelmed by investment options, but the most important first step is having a clear financial goal and starting as early as <\/span>you can to support those goals<\/span>, even if the investment is initially small.<\/span> Are you saving for retirement, a home, a new venture, or your children\u2019s education? Knowing your \u2018why\u2019 helps define your risk tolerance and investment time horizon.<\/span><\/p>\n

 <\/span><\/p>\n

As Albert Botha, Ashburton\u2019s Head of Fixed Income, says, \u201c90% of investment success comes from starting early, saving enough, and letting the markets work. For most people, at least 25% of their investment portfolios come from money they started investing between the ages of 25 and 30.\u201d<\/span><\/p>\n

 <\/span><\/p>\n

2. Diversify to manage risk<\/span><\/strong><\/p>\n

Don\u2019t put all your eggs in one basket. <\/span>A diversified portfolio spreads risk across different asset classes<\/span> \u2013 <\/span>such as equities, bonds, property, and cash<\/span> \u2013 <\/span>as well as different local and offshore regions. This helps <\/span>to<\/span> cushion you against turmoil and fluctuations in any single market.<\/span><\/p>\n

 <\/span><\/p>\n

3. Look beyond South Africa\u2019s borders<\/span><\/strong><\/p>\n

Offshore investing offers access to broader opportunities than <\/span>just<\/span> the local market, which takes up less than 1% of the total investment universe, and can act as a hedge against local currency and market risks. This is quite topical now, considering that the rand is close to R21,46 to the Euro this week. Consider balanced exposure to global equities or funds tailored to international markets to help you weather fluctuations that can affect South African investors.<\/span><\/p>\n

 <\/span><\/p>\n

4. Consistency beats timing the market<\/span><\/strong><\/p>\n

Ashburton\u2019s Head of Intermediated Distribution, Steven Amey, advises: \u201cLive for today, but don\u2019t forget to plan for tomorrow. Start small and grow your wealth over time by leveraging a mathematical wonder: compound interest.\u201d<\/span><\/p>\n

 <\/span><\/p>\n

Trying to \u2018buy low, sell high\u2019 rarely works for the average, untrained investor. A more effective strategy is to invest regularly, in small amounts, and stay the course through market ups and downs. \u201cThis is why our philosophy is that small things, done consistently over time, with great focus and dedication, can create significant results. We stand by that philosophy.\u201d<\/span><\/p>\n

 <\/span><\/p>\n

5. Understand what you\u2019re investing in<\/span><\/strong><\/p>\n

Ashburton\u2019s Head of Credit, Santhuri Thaver, says<\/span>: <\/span>\u201cOne of the best financial investments is education<\/span>, it<\/span> pays long-term dividends that transcend market movements.\u201d<\/span><\/p>\n

 <\/span><\/p>\n

Financial literacy is about empowering yourself to know a range of financial terminology and tactics that can help you weigh up your options for better personal financial management. Choose a financial literacy news source you can trust and make it a habit of tuning in every week or month to learn more about the funds, sectors, and trends you may want to invest in. Ask questions of people who understand finance, read fund factsheets on investment companies\u2019 websites, and don\u2019t be afraid to seek professional advice. Don\u2019t put all your trust in Google, ChatGPT, forex platforms, or cryptocurrencies \u2013 think wider and more long-term. <\/span><\/p>\n

 <\/span><\/p>\n

Your future self will thank <\/span>you<\/span><\/strong><\/p>\n

As Ashburton\u2019s Global Multi-Asset Investment Strategist<\/span>, Jarred Sullivan,<\/span> advises, \u201c<\/span>your<\/span> future self will thank you for staying invested due to the power of compounding.\u201d It can be intimidating to invest, especially if you don\u2019t have a lot of spare savings<\/span>, however<\/span>, it is important to start somewhere, to start young, and to stay invested.<\/span> Your older self will thank you for making a wise choice today to delay gratification <\/span>in <\/span>favour<\/span> of building<\/span> your long-term financial future.<\/span><\/p>\n

PERSONAL FINANCE<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

In a world where dramatic market swings and economic uncertainty have become the norm, making smart investment decisions has never been more important. To build wealth confidently, it is important to understand the foundational steps to investing money wisely.Ashburton Investments\u00a0shares five expert-backed investing tips anyone can apply, whether you are getting started or looking to fine-tune your long-term strategy.\u00a01.\u00a0Start with a plan, and start youngIt\u2019s easy to get overwhelmed by investment options, but the most important first step is having a clear financial goal and starting as early as you can to support those goals, even if the investment is initially small. Are you saving for retirement, a home, a new venture, or your children\u2019s education? Knowing your \u2018why\u2019 helps define your risk tolerance and investment time horizon.\u00a0As Albert Botha, Ashburton\u2019s Head of Fixed Income, says, \u201c90% of investment success comes from starting early, saving enough, and letting the markets work. For most people, at least 25% of their investment portfolios come from money they started investing between the ages of 25 and 30.\u201d\u00a02. Diversify to manage riskDon\u2019t put all your eggs in one basket. A diversified portfolio spreads risk across different asset classes \u2013 such as equities, bonds, property, and cash \u2013 as well as different local and offshore regions. This helps to cushion you against turmoil and fluctuations in any single market.\u00a03. Look beyond South Africa\u2019s bordersOffshore investing offers access to broader opportunities than just the local market, which takes up less than 1% of the total investment universe, and can act as a hedge against local currency and market risks. This is quite topical now, considering that the rand is close to R21,46 to the Euro this week. Consider balanced exposure to global equities or funds tailored to international markets to help you weather fluctuations that can affect South African investors.\u00a04. Consistency beats timing the marketAshburton\u2019s Head of Intermediated Distribution, Steven Amey, advises: \u201cLive for today, but don\u2019t forget to plan for tomorrow. Start small and grow your wealth over time by leveraging a mathematical wonder: compound interest.\u201d\u00a0Trying to \u2018buy low, sell high\u2019 rarely works for the average, untrained investor. A more effective strategy is to invest regularly, in small amounts, and stay the course through market ups and downs. \u201cThis is why our philosophy is that small things, done consistently over time, with great focus and dedication, can create significant results. We stand by that philosophy.\u201d\u00a05. Understand what you\u2019re investing inAshburton\u2019s Head of Credit, Santhuri Thaver, says: \u201cOne of the best financial investments is education, it pays long-term dividends that transcend market movements.\u201d\u00a0Financial literacy is about empowering yourself to know a range of financial terminology and tactics that can help you weigh up your options for better personal financial management. Choose a financial literacy news source you can trust and make it a habit of tuning in every week or month to learn more about the funds, sectors, and trends you may want to invest in. Ask questions of people who understand finance, read fund factsheets on investment companies\u2019 websites, and don\u2019t be afraid to seek professional advice. Don\u2019t put all your trust in Google, ChatGPT, forex platforms, or cryptocurrencies \u2013 think wider and more long-term.\u00a0\u00a0Your future self will thank youAs Ashburton\u2019s Global Multi-Asset Investment Strategist, Jarred Sullivan, advises, \u201cyour future self will thank you for staying invested due to the power of compounding.\u201d It can be intimidating to invest, especially if you don\u2019t have a lot of spare savings, however, it is important to start somewhere, to start young, and to stay invested. Your older self will thank you for making a wise choice today to delay gratification in favour of building your long-term financial future.PERSONAL FINANCE<\/p>","protected":false},"author":1,"featured_media":12899,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-52333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-builder"],"_links":{"self":[{"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/posts\/52333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/comments?post=52333"}],"version-history":[{"count":1,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/posts\/52333\/revisions"}],"predecessor-version":[{"id":52334,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/posts\/52333\/revisions\/52334"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/media\/12899"}],"wp:attachment":[{"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/media?parent=52333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/categories?post=52333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/tags?post=52333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}