About

If you want to plan your finances and invest smart let's find out how to become a skilled investor.

The investment involves, in addition to higher earning opportunities, also risks, so it is good to understand as clearly as possible the financial instruments that you will use.

Why invest?

• m Higher earning potential compared to bank deposits
• m You can achieve your long-term savings goals
• m Protect your money from inflation rate or negative interest rates

When's the right time to invest

Before you make an investment, start with an analysis to assess the current situation and answer the following questions:

• m What monthly expenses do I have?

Make a list of all the expenses that may occur in a month: recurring ones (utility bills, food costs, housekeeping, insurance, etc.) and allocate an amount for any unforeseen expenses

• m How much can I save or set aside, month by month?
• m What do I want to save money on?
• m Where do I want to be financially in 5, 10, 20 years?
• m What goals do I aim to achieve and in what period 

  time?

If you have clarified your answers to the above questions, we advise you to set aside an amount every month, no matter how small. If you manage to save at least 50 lei per month you can think of investing them in a fund.