WEST
TRAVE November
UNIVERSIT
Y 2030
IMPORTANCE
OF
INVESTMENT
Keynote by Prof. Louisa Mae Moore
Overview
• Introduction to investing
• Importance of investing early
• The magic of compound interest
• How much should you invest?
• Investment options for beginners
• Importance of diversification
Introduction
to investing
Investing involves putting your money into
assets with the expectation that they’ll grow
and generate income over time.
Types of investment include:
• Stocks
• Bonds
• Hedge funds
Importance of investing
early
Much longer Increased time Improved risk
recovery period value of money taking ability
Investing early makes it Investments made at an Early exposure to market
possible to make up for early age can lead to variability builds resilience and
any loss on investment. compounding returns. boosts confidence in taking
risks.
The magic
of
compound
interest
Compound interest is interest earned
on your original money (principal) and the
interest that accumulates over time.
It lets you earn interest on the interest!
Simple A chart showing the difference between
simple and compound interests
vs.
compoun
Amount
d interest
Compound interest grows faster
because it earns interest on both
the principal amount and the
accumulated interest. On the other
hand, simple interest grows
steadily as it is based only on the
principal amount.
Number of years
How
much
should
you
Consider using the 50/30/20 rule to
invest?
break down your budget and
identify how much you should
allocate for savings and investing.
Emergency Subscriptions Groceries
fund Hobbies Utilities
Investments Travel and Transportatio
Retirement vacations n
Rent
Investment options for
beginners • Index funds
• Corporate bonds
Begin with low- or • Dividend-paying
stocks
medium-risk
investments to Mediu
achieve steady • Savings account m • Individual
growth and • Treasury bonds
and bills
stocks
• Real Estate
maintain stability • Money market Investment
Low High
before trying high- accounts Trusts (REITs)
• Cryptocurrencie
risk options. s
Safest Riskie
Risk st
meter
Importance of
Spreading your investments into different classes helps manage risk.
diversification
Multiple Protection Better
growth against long-term
opportunities market performanc
downturns e
Different assets grow Assets from different Possibility of more
at different rates and locations and industries consistent potential
economic cycles. respond differently to returns over time
economic downturns.
“An
investment in
knowledge
always pays
the best
— Benjamin
interest.”
Franklin
Key points
• Investing involves buying assets to generate income
or earn high interest rates.
• Investing early allows you to recover quickly from
losses, grow your funds' value, and build financial
resilience.
• Compound interest lets you earn interest on your
interest, helping your money grow faster than simple
interest.
• The 50/30/20 rule is a great starting point for
deciding how much to invest and save.
• Begin with low- to medium-risk investments before
exploring higher-risk options.
• Diversifying your portfolio helps manage and
balance investment risks.
Setting
realistic
financial
goals
Create a financial plan that includes your
current income or allowance sources, your
short- and long-term financial goals, and
strategies to achieve those goals.
Got questions?
Email
hello@reallygreatsite.com
Phone
123-456-7890
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