- 15/04/2025

Want to start saving or investing?

7 min

Have you ever heard of a financial reserve? Find out why it is a good idea to start saving and/or investing now.

Saving: why is now a good time to start?

Why a financial reserve is so important

aving a financial reserve is always a good thing. It gives you peace of mind and helps you cope with unforeseen events or expenses. It also allows you to make impulse buys and even invest. That’s why you should consider setting some money aside now. Are you unable to save much at the moment? This shouldn't hold you back. On the contrary! Anything you can already set aside is a good thing.

Build a new habit

Eating better, healthier, more local food... Did you know that it takes 30 days on average to adopt a new habit? Setting aside some money regularly to build up savings is a good habit that will pay off for the rest of your life. Get started with these useful tips. But first, you need to set up a money management system.

Investing: why is now a good time to start?

Even with just a little money

You can start investing from as little as 1 euro a day. No need to put off major purchases like a car or renovations. Take a gradual approach based on your investment knowledge and experience. If you want, you can increase your investment for a higher investment return. Plus, you can always count on a specialist for advice.

Choose the risk that suits you best

Perhaps you've already had a negative investment experience in the past, or friends and family have shared their investment pitfalls with you. Investing involves a greater degree of risk than putting your money in a savings account. However, the potential return on your investment is also significantly higher.  

Ultimately, you decide how much risk you want to take. You can opt for a defensive investment that minimises your risk (and offers capital protection), albeit with a slightly lower potential return. Alternatively, you can adopt a more aggressive investment strategy that involves a higher risk and potential return. You can even speculate on certain industries, but be aware of the associated risks. Time also plays an important role and is a factor you should take into account. 

Either way, whichever strategy you choose, the key is to always diversify your risks (as the saying goes, "don't put all your eggs in one basket"). Remember to always make enquiries and gather information before taking action. 

Spread risks over time

When is a good time to buy shares or subscribe to a fund? A vast amount of literature has been written on this topic. One thing is certain: by investing a set amount every month, your investment will be less susceptible to market fluctuations in the long term. Some months, shares are cheaper; other months, the shares you buy will be more expensive. That's why we always advise that you only invest money that you don't need in the near future. You need to be bold, but you also need patience if you want to maximise your return.

After Rain Comes Sunshine

Every market rises and dips; this is perfectly normal. There are many reasons why stock market indexes rise or fall. If the market falls, you need to fight the temptation to sell, because if you sell, you will lose money. Storms happen. Just remember that every crisis is followed by a new high.