{"id":371,"date":"2017-02-13T17:36:55","date_gmt":"2017-02-13T17:36:55","guid":{"rendered":"https:\/\/crowdforangels.com\/blog\/?p=371"},"modified":"2019-11-15T14:40:10","modified_gmt":"2019-11-15T14:40:10","slug":"age-old-advice-first-time-investor","status":"publish","type":"post","link":"https:\/\/crowdforangels.com\/blog\/age-old-advice-first-time-investor\/","title":{"rendered":"Age-Old Advice for the First Time Investor"},"content":{"rendered":"

\"Investor\"<\/a><\/p>\n

Taking the plunge as an investor is intimidating for everyone. It\u2019s not just all the jargon that gets thrown at you, or trying to figure out the arcane technical details of investing \u2013 it\u2019s the idea that you\u2019re competing against top fund managers, who have access to more information and more sophisticated analysis than you. It\u2019s tempting to pull back and not engage with investing at all \u2013 but in fact there\u2019s no need to be put off. It\u2019s perfectly possible to make a decent return on your investments, even if you\u2019re just starting out \u2013 so here are our tips for dipping your toes into the world of investing.<\/p>\n

1. Don\u2019t Be Too Cautious<\/strong><\/h3>\n

You might think that the worst thing you can do when you\u2019re first starting out as an investor is taking on too much risk \u2013 after all, you\u2019re investing with your savings, so it\u2019s reasonable not to want to be reckless when you invest for the first time. But in fact, one of the most common mistakes first-time investors make is being overly cautious. Remember that when you\u2019re investing, you\u2019re interested in the potential returns on your investment. In that sense, being too cautious carries its own risks \u2013 it means you\u2019re missing out on those returns that you could have made. So while you should always be comfortable with the level of risk you take on, and should never invest more than you can afford to lose, try not to be overly cautious.<\/p>\n

2. Do Your Research<\/strong><\/h3>\n

While it\u2019s true that you\u2019re competing against investment funds that have more information and experience than you, that doesn\u2019t mean you\u2019re bound to lose out. First-time investors fall into the trap of not trying to do serious research at all \u2013 if you can\u2019t compete with the top fund managers, why even try? So many make the mistake of investing on the basis of the kind of \u2018hot tips\u2019 and investor news that professionals already have access to \u2013 which can lead to serious blunders. Instead, try to learn the lay of the market and research each of your investment opportunities thoroughly yourself \u2013 giving yourself the best possible chance of getting the best return.<\/p>\n

3. Pay Attention to Tax<\/strong><\/h3>\n

Remember that you have the option of investing via a stocks and shares ISA, a \u201ctax free wrapper\u201d which currently has an annual allowance of \u00a315,240. Any gains made within your ISA<\/a> are tax free – although tax law can change and is subject to individual circumstances.<\/p>\n

4. Use Online Platforms<\/strong><\/h3>\n

One of the costs that first-time investors often underestimate is the price of simply buying shares in a company. The cost of buying shares through a broker or fund manager is not insignificant, and can get surprisingly steep depending on who you are using. Fortunately, Fintech and online platforms now make it easier to buy shares in companies \u2013 for example, online \u201csupermarkets\u201d can be used to buy shares cheaply. Or you could use an online crowdfunding platform like Crowd for Angels, which gives you the chance to invest in exciting small businesses that have the potential for significant returns, without going through the middle man of a fund manager.<\/p>\n

So while it\u2019s by no means effortless to start investing, you shouldn\u2019t be put off by the potential difficulties. Remember that, with interest rates so low and inflation creeping up, simply putting your money in a savings account alone could actually see the real value of your money fall.. By doing your research and taking your time, there\u2019s plenty of opportunities to make a good return, even if you\u2019re just starting out.<\/p>\n","protected":false},"excerpt":{"rendered":"

Taking the plunge as an investor is intimidating for everyone. It\u2019s not just all the jargon that gets thrown at you, or trying to figure out the arcane technical details of investing \u2013 it\u2019s the idea that you\u2019re competing against top fund managers, who have access to more information and more sophisticated analysis than you. […]<\/p>\n","protected":false},"author":3,"featured_media":372,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[98],"tags":[343,341,342,90],"yoast_head":"\nAdvice for the 1st Time Investor - Crowd for Angels<\/title>\n<meta name=\"description\" content=\"Taking the plunge as an investor is intimidating for everyone. It\u2019s the idea that you\u2019re competing against top fund managers. 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