At a certain point in your investment journey, you may experience a sense of restlessness.
You've followed sound advice. You’ve saved diligently, invested consistently, and watched your wealth grow. Then, almost from nowhere, and with financial momentum on your side, you may begin to wonder if there shouldn’t be more to it.
While now is the time to stay grounding in what you know works, this niggling concern – or boredom – may steer you towards making potentially costly mistakes.
Why we drift from what works
The building blocks of wealth can seem almost too simple: Spend less than you earn. Invest in a diversified, low-cost portfolio. Stay invested. And repeat.
When you start to see success, these basics might start to feel too, well, basic.
Watch out for this, because it’s this feeling that diverts many investors from the proven investing principles. If your investments are performing as you’d expect, and your portfolio remains aligned with your risk profile and lifestyle goals, everything is on course and there’s nothing to fix.
The financial sector itself can contribute to this sense of restlessness – there’s always another next-big-thing investment trying to attract attention. And yet, such sales messages are designed to draw you away from proven principles and toward products that often benefit the provider more than you.
At Ascenta, we provide clarity about the complex world of wealth creation and help you avoid “expensive mistakes”.
Remember – the fundamentals still work
Now is the ideal time to revisit the principles that helped you build your wealth:
- Spend less than you earn – The foundation of building your wealth. If you consistently spend more than you earn, you’ll never save enough to create a successful investment strategy.
- Invest consistently – Making steady and regular contributions, regardless of what’s happening in the stock markets, allows you greater potential to profit from both time and compounding – which is how the magic happens.
- Diversify broadly – Own a global mix of companies through low-cost, evidence-based investments and be a part-owner of thousands of top-rated global businesses.
- Stay the course – Ignore the noise. Success is usually down to patience, not trying to predict what might happen next.
- Manage costs – Every dollar in unnecessary fees is one less working towards your goals.
- Protect against risk – The right type and level of insurance, tailored to your specific circumstances, can help preserve your wealth.
- Maintain liquidity – Keep adequate cash on hand ready to use if an opportunity arises or to cushion the financial blow if something unexpected happens.
These are the guiding principles that create enduring wealth – and the freedom that comes with it. And yet, some investors still can’t resist the temptation to follow an exciting idea that departs from these core fundamentals.
Don’t dismiss the basics as old news
At Ascenta, we’ve repeatedly seen that investors who stay disciplined are the ones most likely to achieve financial freedom.
Your wealth exists to support the life you want to lead.
Whether you want to take a professional risk, support causes you care about, or simply spend more time doing what brings you joy, financial simplicity and clarity are what make it all possible.
We’re here to help you stay focused on what matters most: a well-built plan, executed consistently, with purpose.
Because the fundamentals that built your wealth are the same ones that will help you make the most of it.
