Keynote by Prof. Louisa Mae Moore

IMPORTANCE OF INVESTMENT

November 2030

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

recovery period

Increased time

value of money

Improved risk

taking ability

Investing early makes it possible to make up for any loss on investment.

Investments made at an early age can lead to compounding returns.

Early exposure to market variability builds resilience and 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 vs. compound 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.

A chart showing the difference between

simple and compound interests

Number of years

Amount

How much should you invest?

Consider using the 50/30/20 rule to break down your budget and identify how much you should allocate for savings and investing.

Investment options for beginners

Risk meter

Safest

Riskiest

• Savings account
• Treasury bonds and bills
• Money market accounts

• Index funds
• Corporate bonds
• Dividend-paying stocks

• Individual stocks
• Real Estate Investment Trusts (REITs)
• Cryptocurrencies

Low

Medium

High

Begin with low- or medium-risk investments to achieve steady growth and maintain stability before trying high-risk options.

Importance of diversification

Multiple growth opportunities

Protection against market downturns

Better

long-term performance

Different assets grow at different rates and economic cycles.

Assets from different locations and industries respond differently to economic downturns.

Possibility of more consistent potential returns over time

Spreading your investments into different classes helps manage risk.

— Benjamin Franklin

“An investment in knowledge always pays the best interest.”

• 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.

Key points

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.

Setting realistic financial goals

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