Own portfolio

Building wealth through your own portfolio of stocks, funds or trackers. With more influence on investment policy.

Building wealth: Investing yourself or having it done?

Choosing to invest in stocks, funds or trackers can have a significant impact on the growth of your wealth. In this article, we discuss the pros and cons of two main paths: investing yourself or outsourcing investing. We take you through all the facets that are relevant, with detailed explanations of the risks, returns and required knowledge.

Self-investing: The benefits

  • Control: You set the course! You choose the stocks, funds or trackers you invest in, allowing you to fully tailor your investment portfolio to your risk profile, investment goals and horizon.
  • Potentially higher returns: By actively investing and making smart choices, you may be able to achieve higher returns than if you outsource investing.
  • Learn and Influence: Self-investing is a learning experience. You learn about how the market works, economic factors and the companies you invest in. It allows you to increase your knowledge and skills in investing.
  • Enjoyment: For many, investing is a fun hobby. The adrenaline of following stock prices, analyzing companies and influencing your own wealth can be very satisfying.

Self-investing: The disadvantages

  • Time and effort: Self-investing takes time and effort. You have to immerse yourself in the subject matter, perform analysis and actively manage your investment portfolio.
  • Risk: Investing yourself involves more risk than if you outsource. You are responsible for your own choices and can make mistakes that lead to losses.
  • Emotions: Emotions like fear and greed can influence you and lead to wrong investment decisions.
  • Knowledge Requirements: Self-investing requires a thorough knowledge of the stock market, economics and how investment products work.

Outsourcing: The benefits

  • Convenience: You don't have to worry about investing. The investment professionals of a fund or asset manager take all the work off your hands.
  • Spread: Funds and trackers automatically offer spread across a large number of stocks or bonds, which reduces risk.
  • Less risk: Because you invest through a fund or asset manager, there is less risk of large losses from wrong investment decisions.
  • Expertise: You benefit from the knowledge and experience of professional investors.

Outsourcing: The disadvantages

  • Fees: Funds and asset managers charge fees for their services. These fees can depress your returns.
  • Less control: You have less control over the investments being made. You are dependent on the choices of the fund manager or asset manager.
  • Limited flexibility: Funds and trackers have fixed investment policies. You cannot intervene yourself or make changes in the interim.
  • Less educational: You learn less about investing than when you do it yourself.

Which choice suits you?

The choice between investing yourself or outsourcing depends on several factors, such as:

  • Your knowledge and experience: Do you already have knowledge of investing or are you willing to learn?
  • Your risk appetite: How much risk are you willing to take?
  • Your investment goals: What do you want to achieve with investing?
  • Your available time: How much time do you want to devote to investing?

Tips for beginners

  • Start small: Don't invest more than you can afford to lose.
  • Do your research: Immerse yourself in the subject matter before you start investing.
  • Spread your risk: Invest in different stocks, funds or trackers.
  • Keep investing: Investing is a long-term game. Keep investing even in times of falling prices.
  • Be patient: Building wealth takes time.

Both self investing and outsourcing have advantages and disadvantages. The best choice depends on your personal situation and choice.

Own portfolio

Building wealth through your own portfolio of stocks, funds or trackers. With more influence on investment policy.

Building wealth: Investing yourself or having it done?

Choosing to invest in stocks, funds or trackers can have a significant impact on the growth of your wealth. In this article, we discuss the pros and cons of two main paths: investing yourself or outsourcing investing. We take you through all the facets that are relevant, with detailed explanations of the risks, returns and required knowledge.

Self-investing: The benefits

  • Control: You set the course! You choose the stocks, funds or trackers you invest in, allowing you to fully tailor your investment portfolio to your risk profile, investment goals and horizon.
  • Potentially higher returns: By actively investing and making smart choices, you may be able to achieve higher returns than if you outsource investing.
  • Learn and Influence: Self-investing is a learning experience. You learn about how the market works, economic factors and the companies you invest in. It allows you to increase your knowledge and skills in investing.
  • Enjoyment: For many, investing is a fun hobby. The adrenaline of following stock prices, analyzing companies and influencing your own wealth can be very satisfying.

Self-investing: The disadvantages

  • Time and effort: Self-investing takes time and effort. You have to immerse yourself in the subject matter, perform analysis and actively manage your investment portfolio.
  • Risk: Investing yourself involves more risk than if you outsource. You are responsible for your own choices and can make mistakes that lead to losses.
  • Emotions: Emotions like fear and greed can influence you and lead to wrong investment decisions.
  • Knowledge Requirements: Self-investing requires a thorough knowledge of the stock market, economics and how investment products work.

Outsourcing: The benefits

  • Convenience: You don't have to worry about investing. The investment professionals of a fund or asset manager take all the work off your hands.
  • Spread: Funds and trackers automatically offer spread across a large number of stocks or bonds, which reduces risk.
  • Less risk: Because you invest through a fund or asset manager, there is less risk of large losses from wrong investment decisions.
  • Expertise: You benefit from the knowledge and experience of professional investors.

Outsourcing: The disadvantages

  • Fees: Funds and asset managers charge fees for their services. These fees can depress your returns.
  • Less control: You have less control over the investments being made. You are dependent on the choices of the fund manager or asset manager.
  • Limited flexibility: Funds and trackers have fixed investment policies. You cannot intervene yourself or make changes in the interim.
  • Less educational: You learn less about investing than when you do it yourself.

Which choice suits you?

The choice between investing yourself or outsourcing depends on several factors, such as:

  • Your knowledge and experience: Do you already have knowledge of investing or are you willing to learn?
  • Your risk appetite: How much risk are you willing to take?
  • Your investment goals: What do you want to achieve with investing?
  • Your available time: How much time do you want to devote to investing?

Tips for beginners

  • Start small: Don't invest more than you can afford to lose.
  • Do your research: Immerse yourself in the subject matter before you start investing.
  • Spread your risk: Invest in different stocks, funds or trackers.
  • Keep investing: Investing is a long-term game. Keep investing even in times of falling prices.
  • Be patient: Building wealth takes time.

Both self investing and outsourcing have advantages and disadvantages. The best choice depends on your personal situation and choice.

save

The saver is someone who chooses security over returns. Low risk resulting in very low returns. The main goal is capital preservation and having money readily available for unforeseen expenses.

defensive

Defensive investors are cautious and want to minimize risk. They invest mainly in bonds and safe mutual funds. Returns are moderate, but preserving capital is the top priority.

moderately defensive

These investors seek a balance between return and risk. They invest in a mix of bonds, stocks and real estate. Although there may be some volatility, they aim for stable long-term growth.

moderate offensive

Moderately offensive investors accept some risk for potentially higher returns. They invest primarily in stocks and diversify their portfolio to spread risk.

offensive

Offensive investors have a higher risk tolerance level and invest primarily in stocks. They seek significant long-term growth and accept temporary market volatility.

highly offensive

Willing to accept significant fluctuations. They invest in stocks, often with a specific focus, derivatives and volatile sectors for maximum growth, with significant short-term fluctuations.

Wondering what we can do for you?

With about sixty colleagues in two locations, we are never far away. All advisors are trained as financial planners and understand better than anyone how important it is to see assets in the bigger picture.

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