By James Yeo //
April 7, 2018

Guest Post by Dona Dimaculangan of Moneylenders Singapore, the top provider of customer reviews of legal money lenders as well as comparisons of personal loan offers in Singapore.

Earning money has never been easy for anyone. It requires time and effort to achieve the desired gain. Successful people of all time have done utilization of the existing opportunities such as investing. They were able to share knowledge and techniques on how one would be successful in investing.

What is Investing?

Investing has been defined as allocating or committing capital or funds to an endeavor with the expectation of earning added income or profit. It is said to be the process of giving out money now to gain more money in the future.

Despite of how much people earn today, there corresponds spending of money daily. With investments, people are given a chance to be able to keep a portion of what they make while being provided with an opportunity for it to increase. Income in investment can come in different forms such as financial profit, interest earnings, and asset appreciation.

For several decades, there have been numerous people who became successful with investing, and there have also been increasing options for investment vehicle available in the market.

Benefits of Investing

Investing has brought many benefits to those who have engaged in it.

  • High chance of long-term returns

Investing does not only give a chance for someone to save the same money he/she has input in it but it provides a person with an opportunity to have more profit on a long-term basis. One might be preparing for his/her retirement, paying his/her children’s education or real estate properties, etc.- whatever the underlying reason is, investing could serve as one’s aide towards success.

  • Improved spending habits

With investing, one could have increased discipline regarding the spending of money. Investors can focus more on their budget and cutting expenses. There is a higher chance of saving more money.

  • Able to beat inflation

One can outpace inflation by investing in assets that can produce higher income returns and at the same time provide chances for capital growth.

What to Invest In?

Whether you get your money from a licensed money lender or from your savings, where you invest depends upon your goals and interests. There are different investment vehicle available.

  • Stocks

Stocks have been defined as a share in the ownership of a company. These represent rights or claims on the assets and income of a company. As an investor buys more stocks in a company, his/her property in that company increases.

  • Bonds

Bonds are lenders that allow individuals or organizations to borrow money to finance projects or other significant matter. This is a type of fixed-income investment wherein it returns a payment on a regular schedule.

  • Funds

The first most common type of funds is Mutual Funds. This is a combination of investments managed by a single company. The fund does the choosing of the securities or stocks to invest in.

Another common type of funds is the exchange-traded fund (ETF). This is a group of securities such as stocks, bonds, etc. that are bought and sold through brokers.

  • Real estate

Investing in real estates does not mean buying lands and properties, but it could be investing in a real estate investment trust that is like mutual funds for real estate.

Tip: If you do not have much capital to get into real estate, you can look at the rates of different money lenders to see if you can afford a loan.

Who are The World’s Top Investors?

Over the years, greatest investors have served as role models and inspiration to people to work smarter to gain similar returns.  These are few of the most famous and top investors that have been successful throughout the years:

  • Warren Buffett

One of his smartest move was investing a portion of what his company Berkshire Hathaway has in American Express. In 2006, he was able to make history when he was known to donate the highest amount of money to a charity that was a total of 85% of his fortune or is equal to 30 billion dollars.

  • John Templeton

He has been considered as the pioneer of the global mutual industry. He was able to earn billions by introducing mutual funds globally. He has been known to be the creators of one of the world’s highest-providing award, the 1 million dollars Templeton Prize for research or discoveries.

  • Peter Lynch

Lynch has been considered as one of the best stock-pickers in the world. He has become successful as a Wall Street stock investor. He was able to support education, organizations, and research through his foundation with 74 million dollars asset in 2003.

Golden Rules For Investing

To be successful in investing, the world’s most significant investors have provided golden rules in investing. These rules include:

  1. Do Due Diligence

Before pulling-out money from your pocket, you should fully understand what you are investing for. This will serve as a guide to what will be your target return. Peter Lynch said that one should also never invest in something that he/she does not fully understand.

  1. Invest in Quality Companies

Investors should be smart in choosing what companies to invest in.  A good quality company makes high returns and can continue to expand their business through the years.

  1. Invest for the Long Run

The longer an investor invests, the higher the probability of higher income or greater interest on the money is added to the principal amount.

Indeed, one should not depend on market timing wherein investors invest somewhere near the bottom of the market cycles and then get out when it is near the top. Money flows up and down that it is why what should one consider is investing long-term instead.

  1. Diversify adequately

Diversification of investment portfolios should not be under or overdone. Researchers have found that benefits of diversification are at its optimum with portfolios of just over 20 stocks.

As the number increases, an investor may not be able to focus and know well the other investments.

  1. Rebalance

As the market changes, investment changes too.  An investor must be knowledgeable and updated regarding the status of his/her investment.

He/she must perform regular check-ins to stay on the desired level, providing greater income and profits.

Why Start Investing Now?

Investing as early as possible is one of the best ways to be able to save more and witness solid returns on one’s money. With the help of investment, one can grow his/her existing money, be able to keep for retirement, and even reach financial goals. Investment is also a good help if a person is planning to open or expand a business.

Whatever the underlying reason is, investing at the earliest time possible has helped many people in their endeavors and in accomplishing their goals and objectives.

Investing serves as both a privilege and a responsibility. It could serve as an aid and even a partner in finances to provide for the crucial situations that may happen in a person’s timeline. With these benefits and advantages, it is good to consider investing if an opportunity comes.


Before a person becomes successful in investing, he/she must be able to fully understand what it is, what benefits it could bring, what to invest in, which moneylender to choose and what rules are there to be competent enough as investor.

It also matters to know the famous people that served inspirations for thousands. Investing is not easy, but with proper planning and right strategies, it would not be difficult to succeed. is a website focused primarily on undervalued gems that can generate Big, Fat Returns for investors. Our Slogan is simple: Start Small, Win Big!

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