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Savings provide a sense of security

Where to keep saved money until you need it or how to increase saved money? There are endless investment opportunities and finding a suitable one comes down to your preference. Ask yourself:

  • What is my goal in saving money?
  • What kind of a risk am I willing to take?
  • How long do I want to deposit or collect money?
  • What are my expectations regarding revenue?

The first rule of investing is to start sooner than later as time is usually in favour of the investor.

Investing is always preceded by saving as you should only invest what you don’t use daily.

If you don’t have a savings buffer, start collecting it. Read more on investing and only then invest. Research different investment possibilities as well as their pros and cons, read books, online forums and blogs on investing, have a look at saving and investing topics on the financial wisdom Facebook group #Kogumispäevik and talk to your bank consultant, if needed.


Investments always involve the risk of losing your money. So make sure to set an amount you are willing to loose and choose an appropriate investment strategy.

You can invest in different asset classes (e.g. equities, bonds, real estate, funds) with different risk levels. The general rule is that the greater the risk, the greater the prospective return.

If these options are not suitable for you, there are other possibilities, such as investing in real estate or companies via crowdfunding platforms. Avoid scams promising fast money: pyramid schemes or shady and fast transactions that seem too good to be true. Usually they are.

If you’re a novice in investing money and would like some peace of mind, consult an investment advisor who will help you in determining your risk appetite and offer various possibilities to collect and invest money.


An important aspect of investing is time. The sooner you start, the more time you will have to grow your assets.

Your timeframe and goal should also dictate your investment strategy – the more time you have, the more risks you can take; the less time you want to invest for, the more conservative you should be.

Follow these guidelines for a successful investment:

  • When investing, consider the increase in the value of the invested or collected money as well as taxes, transaction costs and inflation
  • Diversify risks by implementing different ways of saving and investing
  • Make decisions based on your risk tolerance
  • Stick to your plan and goals and avoid emotional decisions

Learn from the experience of others

How did a mother of three get into the world of investments?

Get practical and valuable tips on saving from the financial wisdom Facebook group #Kogumispäevik and Instagram account @Kogumispäevik.

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