Future savings

Our future is uncertain and we don't know much about how it will play out. Although we often have big plans, expectations, and dreams. Getting your first apartment, traveling the world, the chance to try a new career, or start your own business. Everyone has a future to save for!

Julia's tips for a successful long-term savings plan

Getting started with savings isn't always straightforward, and it's easy to procrastinate. Even though we know it's the best decision we can make is to just get going as soon as possible. The first investment you make is the capital that will have to longest time to grow. Even after you've gotten started reaching your goal might feel really far away. In our linear world, it's hard to grasp the power of compounding interest. The world's eighth wonder.

Except for the amount we invest and the returns we get, the most important thing is how long that capital gets to grow. Money that we don't need in the short term tends to stay invested longer than we might initially have thought. In a savings plan that's excepted to be invested longer than five years, we believe that equity is an attractive option. The more patience you have, the more interesting an investment in innovative companies becomes.

What's the secret to a successful long-term savings plan?

There's no "one-size-fits-all" when it comes to savings. But I do believe it's important for everyone to set up an attainable goal and have an idea of when they might reach it. We know from experience that both savings for a specific goal (That couch, cabin, or travel) and more general savings tend to stay invested longer than you might initially have thought.

So get yourself an idea of when it's realistic to reach your goal,. By doing that you reduce the risk that you'll give up along the way.

How do I decide between buying equity and funds?

Something you might want to start with is thinking about how actively you want to work with your savings. And equity investment requires more analytical work and trading which will take up for of your time. It can also be hard to put together a well-diversified portfolio of quality stocks than it might seem. For equity investments, it's good to follow the development of the company and monitor the results. If this sounds like too much work or too challenging investing in a fund is a good alternative.

Invest for the future, live in the moment.

We don't believe you should cut down your expenses to the bare minimum and save as much as humanly possible. We rather think you should have a good balance between living in the moment and planning for the future is a more reasonable approach. Maybe you can put aside ten percent of your income as a rainy day fund or towards reaching that dream of yours.

Saving like a pessimist but investing like an optimist is to take power over your future

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