Pricing

1. Set clear goals: Define your time horizon, risk tolerance, and return targets.
2. Diversify: Spread your capital across asset classes (stocks, bonds, real estate) to reduce volatility.
3. Start small& automate: Use recurring contributions (e.g. monthly) to dollar-cost average.
4. Stay informed: Follow company fundamentals and macro trends, but avoid emotional reactions.

• Market risk: Price swings due to economic, political or sentiment changes.
• Company risk: Poor management, earnings misses or competitive pressures.
• Liquidity risk: Difficulty selling a position at fair value.
• Concentration risk: Over-exposure to a single sector or stock.

Combine assets that move differently—e.g.:
• Equities (growth potential)
• Bonds (income, stability)
• Real estate/REITs (inflation hedge)
• Cash or cash equivalents (liquidity)
Rebalance annually to maintain your target mix.

The best time is as soon as you’re financially ready: you have an emergency fund, manageable debt, and clear goals.
Markets are unpredictable—time in the market generally beats timing the market for long-term investors.

Fundamental analysis studies company financials, industry trends and economic indicators to value a stock.
Technical analysis uses price charts and patterns—like moving averages and volume—to predict short-term movements.