FAQ – Frequently Asked Questions About Investing

1. How much money do I need to start investing?
You can start with very small amounts, even 10–20 EUR per month. Time and consistency matter far more than the size of the initial capital.

2. Which is better: stocks or ETFs?
Stocks invest in one company, offering higher risk. ETFs hold many companies, making them more balanced and beginner-friendly.

3. Why does my portfolio drop even when there's no bad news?
Markets often price in expectations. Short-term volatility is normal and doesn’t necessarily reflect long-term performance.

4. Is it bad if my investment is in the red?
Not at all. Every long-term investor goes through negative periods. Discipline and patience are key.

5. How often should I check my investments?
Weekly or even monthly is enough. Checking too often leads to emotional decisions.

6. How can I protect myself from market downturns?
Diversification, regular monthly buying (DCA), a solid financial base and a long-term mindset help reduce risk.

7. When should I sell a stock or an ETF?
When your goal changes, the fundamentals worsen, or you need the money for a planned purpose. Don’t sell based on day-to-day noise.

8. How important is diversification?
Extremely. It stabilizes long-term returns and reduces risk.

9. How is a beginner’s strategy different from an advanced investor’s?
Beginners should use simple portfolios, regular contributions and long-term focus. Advanced investors apply more analysis and weighting.

10. Why shouldn't I ask for stock recommendations?
Because the best strategy depends on your goals and risk tolerance. Someone else’s portfolio is not your portfolio.



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