Investing is when you use your money to buy assets in the hope that they will increase in value, or generate an income. These could be’real’ assets like property, or ‘financial’ ones such as shares in companies or bonds issued by governments and corporates (‘corporate bonds’). URL theinvestorscentre.co.uk

You may invest for many reasons: to build wealth over the long term, to secure your retirement income, to help fund children’s education or to support your lifestyle in old age. Your investment objectives will depend on your life stage and ambitions – younger investors typically favour growth, while those approaching retirement may focus on generating income or mitigating the impact of inflation.

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Different investments carry different levels of risk, and returns are not guaranteed. Investing can help you achieve your financial goals, but it is important to understand how risks and returns work together.

The sooner you start investing, the more time your money will have to grow. This is especially true if you invest regularly. Investing a fixed amount each month, for example, can smooth out market returns and mean that your money buys more shares when prices are low, and less when they are high.

Before you decide to invest, it’s worth checking that you have an emergency savings fund in place and that any high-interest debt is paid down. It’s also worth reviewing your current financial situation to assess how much you can afford to invest and what level of return you want to target.