The ABCs of Investing 💼✨

1. Before investing: Ask yourself 3 questions

• How much money can I invest?
• What is my goal (saving, buying a house, preparing for retirement)?
• Am I ready to take risks?

2. What can be purchased on the capital market?

• Stocks: to become a small business owner.
  • Advantages:
    • You can make money if the company grows.
    • Sometimes you receive dividends (small cash bonuses).
    • You have your say (vote at the general meeting).
  • For whom?Those who aim for the long term and accept that it goes up and down.
• Bonds: lending money to a company or a state.
  • Advantages:
    • You receive regular interest.
    • Less risky than stocks.
    • Ideal for those who love stability.
  • For whom?Those who prefer regular income and few surprises.
• UCITSinvest in a basket of stocks and bonds managed by professionals.
  • Advantages:
    • Managed by experts (less stress for you).
    • You invest in many companies at once = diversification!
    • Accessible with little money.
  • For whom?Beginners, or those who want to invest without managing everything themselves.

3. How to invest?

• Open a securities account and complete all the necessary checks to start investing safely.
• Place an order (buy or sell) directly on the app.
• For beginners: start with a moderate risk profile, which is easier to manage and better suited for learning with confidence.

4. After investing: Keep an eye on your money

• Check your statements.
• Stay informed regularly about the companies you have invested in to keep up to date and make better decisions.
• Don't forget, the best investors are often those who know how to stay calm and control their emotions.

5. Important things to remember 🧠 📌

1. Return = What you can earn

• It’s the money you can receive from your investment (dividends, interest, capital gains).
• But beware: a good return is never guaranteed!

2. Risk = What you can lose

• Investing is never 100% safe.
• The more you hope to gain, the more you must accept the risk of losing.

3. More risk = More potential gain… or more losses

• Stocks can yield a lot, but they fluctuate a lot (volatility).
• Bonds are more stable, but yield less.
• Mutual funds help reduce risk because your money is spread out (diversified).

4. Time is your best ally

• By investing early, your money has more time to "work."
• In the long run, even the market's ups and downs balance out.

5. Always diversify!

• Don't put all your eggs in one basket or one type of investment.
• Mixing stocks, bonds, and mutual funds helps to limit losses.

6. Educate yourself before investing

• Read the available documents: fact sheets, prospectuses, financial reports.
• Use the sites of the AMMC or the issuing companies.
• Understanding = investing smarter.