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Τhe concept of investing refers to the perception that it concerns a small number of customers who have a lot of funds available. This may have been the case in the past. However, things have changed and investments are more accessible than ever before.

Myths about investing

Myth 1: It is very risky

Of course, investing involves risk. Risk of losing some or all your capital exists, but not all investments are equally risky. There is a scale ranging from low to high-risk investments depending on how much risk you are willing to take.

Also, it is important to mention that between low and high-risk investments there are many other options, as your investment portfolio is always adapted to your needs, your goals and your investment profile.

In short, by taking a calculated investment risk, you can probably give your money more growth potential than by saving it in some type of deposit account.

Myth 2: You must “lock up” your money

This is a myth rooted in a truth, which has to do with the duration of the investment. It is true that investments are medium or long-term commitments of your money, however with most investment products your money is not locked up. There is no set period to invest and no penalties for selling your investments. In most cases, you can access your money at any time with any possible profit or loss.

Of course, the impression that an investment can work like a savings account is wrong. The reason is that, if you liquidate your investment in an emergency, you may lose a significant part of your potential return or initial capital depending on the valuation of your investment at that point.

For this reason, one of the golden rules of investing is to ensure that you have an amount saved for emergency expenses, e.g. 6 months of family expenses, so that in the event of a cash emergency you will not be forced to liquidate your investment.

Myth 3: You must be experts

It's a myth that you must be an expert to invest. This role rests with the Bank's specialized staff who monitor developments, keep up to date with the markets and advise you regularly so that you can take your decisions.

An investment option that requires the least time and knowledge on your part is mutual funds and especially mixed funds, which invest in a wide range of assets such as bonds, stocks and real estate, allowing you to diversify your portfolio. The spread of investment risk is also one of the golden rules of investing.

Mutual funds are managed by professionals whose aim is to keep your portfolio at your chosen risk level.

Myth 4: You must be rich

This was probably true in the past, but today, fortunately, things are different. Start investing with 3,000 euros and following the advice of our specialized executives, create an investment portfolio fully adapted to your personal goals and needs.

At Pancreta Bank we can help you with personalized advice without the obligation of placing available funds from your part. Visit one of our branches  that offer the Wealth Management Service to speak with our specialized staff.

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