Are you a 'Saver' or an 'Investor'?

When most people hear about investing, they often picture one of two things:

1)I am 'investing' because i am 'saving'.

2)I still have time to think about it, have more important things in life to focus on.

If statistics are to be believed, investing remains unfamiliar territory for most people, and while many of us are putting money aside, we’re not actively looking for ways to help it grow.

The disconnect is because of the mindset. People consider 'saving' money rather than 'Investing'. In fact, according to the 2015 BlackRock Global Investor Pulse Survey, a full 72% of people identify themselves as “savers” while only 28% identify themselves as “investors.”

What does a saver do differently from an investor?

"Hoard cash".

Dumping money in savings bank accounts and earning meager returns is what majority savers do but what they fail to realize is that cash sitting in bank accounts is dead money. In many instances they are actually losing money due to inflationary pressures and even leave their money exposed to loss of purchasing power.”

The truth is that investing is a topic that is relevant to all adults, regardless of age or net worth. It’s simply an act of taking your money and making it grow, year over year, by picking investments that are right for you—and we at Artofwealthcreation enable you doing that.

1)Start young : Studies have shown that if people don’t start investing early, they seldom get around to it.

2)Start Small : “Inactivity is very costly”, so take your baby steps ,today!

3)Start Effective : Efficacy is not easy to come by, it takes lots of knowledge, research, analysis, experience, financial understanding and so forth.

Changing habits is difficult but one habit that we need to change is to stop hoarding excess cash. In fact, 50% of matured adults still see “investing" on par with "gambling".

The key to good investment portfolio growth is not to invest all your cash reserves at once but instead, start investing them slowly over the course of a year or two. Then, mitigate the risk by selecting a diversified portfolio of investments that will offer the potential for not only capital appreciation but also provide growing investment yields.

It’s small steps like these that will reap big investing rewards over your lifetime.

#Saving is not investing

#Don’t make the costly mistake of staying in cash.

#Financial Inactivity is very costly.