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What is investing money ?
Different types of investments :
Investing money for your pension:
Frequently asked questions about investing :
What is investing money ?
Savings in a safe become less and less valuable due to inflation. This means that you can buy less for the same money. By investing you try to increase the value of your money. It is a form of investing that may give you a return higher than inflation. Do you want to invest? Then you can do this yourself, or outsource it. Remember that investing is risky. It goes wrong? Then you lose money.
There is a good chance that investments are already being made for you at this moment. This often happens without you even noticing. For example, do you have a pension plan through your employer? Your monthly contribution will then be managed by your pension provider.
, buying shares or bonds The value of those products is determined by supply and demand. Is there a lot of demand? Then the price goes up. When demand is low, the price actually falls. Is the value of your investments higher than when you bought them? Then you make a profit. This is also called return. When investing, returns can consist of two parts:
- the return you can receive when selling your shares
- dividend that you can receive in the meantime
Some people find investing (too) complicated and risky. You can of course lose (part of) your investment. But investing can also earn you more than if you save. It is important to first think about your investment goal. And how much risk you are willing and able to take for this. You record this in a risk profile. If you draw up such a profile in advance, you limit the risks you do not want or cannot take. Your risk profile can vary from very cautious (defensive) to very risky (offensive). By answering a few questions, you will discover which profile suits you best. Think about questions about you:
- risk appetite
- risk opportunity
- investment objective
- investment horizon
- investment experience
Are you willing to take more risk, which increases the chance of a higher return? And can you cope financially if you lose a large part of your investment? If you can answer these questions with 'yes', you will arrive at an offensive risk profile more quickly.
Do you want to invest to build up more income for later? Then you would also like to achieve this investment goal. It is often smarter to invest less risky than if you invest for something that is not necessary. For example, to be able to travel the world or buy a second home. The necessity of your goal therefore determines how much risk you can take.
Your investment horizon determines the period in which you want to achieve your investment objective. The longer you have to invest, the more risk you can take. Are you investing to supplement your pension? Then you often have a broad investment horizon. This means you can invest a little more risky in the beginning. Are you getting closer to retirement? Then you reduce the risk. In the beginning you have a better chance of making up for any losses. But just before you retire, you obviously don't want to run the risk of losing everything. This way of investing is also called lifecycle investing.
Different types of investments :
You can invest in different ways. Consider the following categories:
- shares
- property
- bonds
- liquidity
Each category has a different average risk and return. For example, with shares you run much more risk than with bonds. But at the same time you also have a greater chance of a higher return. With bonds it is the opposite. The risk you run is lower on average, but so is your return. You can invest per category, but also via a model portfolio or investment fund.
Investing money for your pension
Do you have a pension deficit? Then you can make up your shortfall by investing. If you have a demonstrable pension deficit, you can often also invest with a tax advantage. You can then deduct your contribution from your income tax on your tax return. There is a maximum here: your annual space. You also do not have to pay tax on the accumulated capital. This capital is fixed until your state pension age. From that moment on you can receive a pension benefit. An amount is then paid out periodically. You still pay income tax on that, but often a lower tax rate.
Frequently asked questions about investing :
At many financial institutions you can invest via model portfolios. These match the different risk profiles. Depending on your risk profile, a specific portfolio is recommended. Just like your risk profile, this can vary from very cautious to very risky.
Each model portfolio has a general, standard distribution. With a very risky portfolio, your investment can be 100% invested in shares. A very cautious portfolio does not invest in shares, but rather in bonds and liquidities. By spreading your investment across different categories, the risk is lower.
You can also choose to invest through an investment fund. That is a kind of gathering point for investors. You collectively contribute money together with others. Depending on the type of fund, products are then used to purchase products. The most common funds are:
- equity funds
- mixed funds
- real estate funds
- bond funds
An investment fund often specializes in certain sectors, companies and regions. In this way, risks can be better spread and the aim is to achieve the highest possible return.
Do you want to invest through an investment fund? Please contact your bank or financial advisor for more information.
Do you want to start investing? Then it is smart to inform yourself well about the costs and options. This way you prevent unexpected surprises. The costs of investing differ per situation and per financial institution. The more work you outsource, the higher the costs are often. Example: an asset manager is often more expensive than if you invest yourself with advice from an advisor. Are you going to invest yourself? Then it is good to know that this also entails costs. There are always costs associated with purchasing and selling. Do you trade a lot? Then the costs can quickly add up.
Investing with a high return sounds attractive. But it is wise to first determine whether you actually have the money to invest. First, make sure you have the necessary buffer. You can easily check this via the Nibud buffer calculator . With a buffer you always have enough money on hand.
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