Why people choose to invest

Why Even Invest?

What you need to think about when investing

Investing Challenges

Leave things be, or tweak to perfection?

Active Or Passive?

What even is a stock? What about a bond?

Diversification

Enough of the why, HOW do you invest?

How To Get Started

There’s no real roadmap for navigating this kind of banking crisis. So Russell takes a look at the road ahead and where you might find opportunities now.

The Two Big Risks Ahead For US Banks, And What It All Means For Your Portfolio

With all this volatility, you may want to write that useful old adage down.

Remember: It’s About Time In The Market (Not Timing The Market)

JPMorgan’s leading the charge to save First Republic Bank – but not out of pure generosity

JPMorgan To The Banking Rescue

Big Tech kept downsizing, with Amazon nixing another 9,000 jobs

Amazon’s Cutting Down On More Workers

JPMorgan’s leading the charge to save First Republic Bank, while Big Tech kept downsizing with Amazon nixing another 9,000 jobs

Your Daily Brief For March 22nd

Your guide to getting started

Investing Basics: What To Expect If You're Just Getting Started

Investing Basics

Risk is one thing you will have to accept. Your nest egg might go down as well as up. But, bigger risks, bigger gains.

For many investors, the goal is simple. To stop their savings being eroded by inflation.

Our goal at Finimize is to provide you with all the tools and information you need to get financially savvy, and to open up the world of investing.

And guess what? It’ll only take you a few minutes each day! Oh - and another thing - there will be no tedious jargon here thank you very much.

In our next session, we’ll explain the three golden rules of investing.



Hey there Finimizers! In this pack, we’re going to lay out the basics of the wonderful world of investing. Don’t worry though, we’re going to ease you in gently!

What even is investing? At Finimize, we like to distinguish between saving and investing.

Saving is sticking all your cash in a bank account, while investing is using that cash to buy assets – like shares in companies or property for example. You may already be a diligent saver, with a handy little pot of cash, but the problem is – over time – *inflation* will reduce the value of those savings.

Inflation basically means that every dollar, euro or pound, buys less stuff - be it toothpaste, jeans – or even a super-secret lair to store your luxury yachts! And those losses build steadily over time. For example, over roughly 25 years, a modest inflation rate of 3% will trim the value of your cash – in *half*.

That’s where investing enters the ring. Essentially, investing is all about trying to steadily grow your pot of money. Hopefully, with time, the relatively small annual gains build to something pretty impressive.



Pack

chapterId

encryptedEmail

ContentPieceChapterQuery

viewer

query ContentPieceChapterQuery(
  $chapterId: String!
  $encryptedEmail: String
) {
  viewer {
    authorization {
      roles {
        isAnonymous
      }
      ...SingleContentPieceChapter_authorization
    }
    content(encryptedEmail: $encryptedEmail) {
      ...SingleContentPieceChapter_content
      contentPieceChapter(chapterId: $chapterId) {
        __typename
        ...SingleContentPieceChapter_contentPieceChapter
        id
      }
    }
    id
  }
}

fragment AudioOnlyBanner_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  headerImage {
    ...ServerImage_image
  }
  title
}

fragment Avatar_image on URLImage {
  original
}

fragment Block_block on ContentPieceBlock {
  __isContentPieceBlock: __typename
  __typename
  ... on TextBlock {
    id
    ...TextBlock_block
  }
  ... on ImageBlock {
    id
    ...ImageBlock_block
  }
  ... on QuoteBlock {
    id
    ...QuoteBlock_block
  }
}

fragment ChapterSelector_contentPieceChapter on ContentPieceChapterInterface {
  __isContentPieceChapterInterface: __typename
  contentPiece {
    __typename
    title
    chapters {
      __typename
      title
      subtitle
      id
      slug
    }
    id
  }
}

fragment ContentHeader_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  ...DefaultContentHeader_contentPiece
  ...EvergreenContentHeader_contentPiece
  contentPieceType {
    isEvergreen
  }
}

fragment ContentMetadata_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  byline
  consumptionTime
  dateUpdatedDisplay
  contentPieceType {
    name
  }
}

fragment ContentPieceChapterSEO_contentPieceChapter on ContentPieceChapterInterface {
  __isContentPieceChapterInterface: __typename
  title
  contentPiece {
    __typename
    byline
    imageForSeo: headerImage {
      url: full
    }
    id
    title
    seoTitle
    searchDescription
  }
  subtitle
  firstPublishedAt
  id
  ... on PublicContentPieceChapter {
    globalContentPieceChapterId
  }
}

fragment ContentPieceExploreMore_content_4goxN4 on Content {
  moreContentPiecesOfSameType: contentPieces(first: 5) {
    edges {
      node {
        title
        id
        slug
        subtitle
        canonicalLink
      }
    }
  }
}

fragment ContentPieceSponsor_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  sponsoringCompany {
    id
    name
    link
    logo {
      ...ServerImage_image
    }
  }
}

fragment DefaultContentHeader_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  ...ContentMetadata_contentPiece
  ...ListenButton_contentPiece
  ...AudioOnlyBanner_contentPiece
  ...KeyInsights_contentPiece
  id
  deepLink
  canonicalLink
  title
  author {
    id
    byline
    profilePicture {
      ...Avatar_image
    }
  }
  headerImage {
    ...ServerImage_image
  }
}

fragment EvergreenContentHeader_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  ...ContentMetadata_contentPiece
  ...ListenButton_contentPiece
  ...ContentPieceSponsor_contentPiece
  canonicalLink
  id
  deepLink
  title
  hasAudio
  headerImage {
    ...ServerImage_image
  }
}

fragment ImageBlock_block on ImageBlock {
  image {
    ...ServerImage_image
  }
  alt
  caption
}

fragment KeyInsightsBlock_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  keyInsightsBlocks {
    id
    textMarkdown
  }
}

fragment KeyInsightsCarousel_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  keyInsightsBlocks {
    id
    textMarkdown
  }
}

fragment KeyInsights_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  ...KeyInsightsCarousel_contentPiece
  ...KeyInsightsBlock_contentPiece
  keyInsightsBlocks {
    id
    textMarkdown
  }
}

fragment ListenButton_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  id
  title
  trackingTitle
  subtitle
  readingTime
  isPremium
  hasBlocks
  hasChapters
  hasAudio
  contentPieceType {
    name
    trackingName
  }
  ...AudioOnlyBanner_contentPiece
}

fragment MainContentChapterSection_contentPieceChapter on ContentPieceChapterInterface {
  __isContentPieceChapterInterface: __typename
  globalContentPieceChapterId
  title
  trackingTitle
  isFirstChapter
  subtitle
  readingTime
  hasBlocks
  hasAudio
  id
  deepLink
  blocks {
    __typename
    ...Block_block
    ... on Node {
      __isNode: __typename
      id
    }
  }
  siblingChapters {
    id
  }
  contentPiece {
    __typename
    ...ContentHeader_contentPiece
    id
  }
  ...ChapterSelector_contentPieceChapter
  ...NextPreviousChapter_contentPieceChapter
  ...ContentPieceChapterSEO_contentPieceChapter
}

fragment MoreContentSection_content on Content {
  ...ContentPieceExploreMore_content_4goxN4
  mostRecentBrief: contentPieces(first: 1, contentType: "DAILY_BRIEF") {
    edges {
      node {
        id
        ...SingleContentLarge_contentPiece
      }
    }
  }
  mostRecentInsight: contentPieces(first: 1, contentType: "INSIGHT") {
    edges {
      node {
        id
        ...SingleContentLarge_contentPiece
      }
    }
  }
}

fragment NextPreviousChapter_contentPieceChapter on ContentPieceChapterInterface {
  __isContentPieceChapterInterface: __typename
  globalContentPieceChapterId
  siblingChapters {
    title
    subtitle
    globalContentPieceChapterId
    slug
    id
  }
}

fragment QuoteBlock_block on QuoteBlock {
  quote
  caption
}

fragment ServerImage_image on URLImage {
  full
}

fragment SingleContentLarge_contentPiece on ContentPieceInterface {
  __isContentPieceInterface: __typename
  title
  byline
  consumptionTime
  headerImage {
    ...ServerImage_image
  }
  hasChapters
  chapters {
    __typename
    id
    slug
  }
  id
  slug
  canonicalLink
}

fragment SingleContentPieceChapter_authorization on Authorization {
  roles {
    hasPremiumSubscription
    isPreviewing
    isAnonymous
    isPreviewingContentAllowance
  }
}

fragment SingleContentPieceChapter_content on Content {
  ...MoreContentSection_content
  anonymousUserHasPremium
}

fragment SingleContentPieceChapter_contentPieceChapter on ContentPieceChapterInterface {
  __isContentPieceChapterInterface: __typename
  ...MainContentChapterSection_contentPieceChapter
  hasAudio
  globalContentPieceChapterId
  hasBlocks
  isPremium
  trackingTitle
  contentPiece {
    __typename
    ...AudioOnlyBanner_contentPiece
    globalContentPieceId
    trackingTitle
    isPremium
    contentPieceType {
      name
      trackingName
    }
    id
  }
}

fragment TextBlock_block on TextBlock {
  textMarkdown
}
