Disclaimer:

The topic of investing has become so widespread, especially on social media, that further engagement with this subject can be exasperating. Every 25-year-old with neatly shaved sides and a “tidy outfit” is now a financial expert, telling people how to live their lives and suggesting that in order to achieve this, they must click on referral links or attend a seminar that conveniently has a promotional price, making it super cheap.

Equally annoying are the contents that claim, “I’m different,” “this is not about selling, self-aggrandizement, or advertising.” So, let it be said: This is precisely what it’s about here as well.

I don’t care about what you do with your money; I simply want to share my perspective on investing. This leads me to my point:

Everything written on this website is not financial advice and only serves as a decision-making aid. I take no responsibility for your investment decisions.

So, why invest?

What clothes are you wearing right now? They must be something. And if you’re currently naked, then your outfit is “no clothes.” What I mean to say is that even if you don’t care about your clothing or outfit, you are forced to make a choice.

It’s the same with appearance. At any given time, you can only have one appearance. It’s just there, whether you like it or not. It’s the same with everything, actually.

Including investing. If you don’t have stocks or anything similar, then you’ve invested 100% of your wealth in [your local currency]. You’ve gone all-in on [your local currency], betting your entire fortune on it. This is not noticeable because different assets are always represented in [your local currency], and 100 of [your local currency] will always be exactly 100 of [your local currency]. If you don’t want to lose (or gain) [your local currency], you go all-in.

But the crucial question is: Do you want to keep your euros or your purchasing power? Do you want to be rich in [your local currency] or do you want to be rich in things that can be purchased with [your local currency]?

This is where the wheat is separated from the chaff. It’s important to understand that with 100 euros, you won’t be able to buy the same amount of goods over an extended period of time. And since the basket of goods becomes smaller for 100 of [your local currency], it is highly risky to have a portfolio consisting of 100% of [your local currency].

Once the above is understood, the next step can be taken: the “how.”

So, the question is never “why invest?” but rather “how to invest?”