Investments have become a staple product of banking, yet many customers still hold them at arm’s length. However, we are making investment decisions all the time: saving for a rainy day, acquiring our first or upgrading our family home, investing in our children’s education… the list is never ending. Whatever the circumstances, there are a set of rudimentary questions one would need to consider. What to invest in? How to invest? When to invest? Admittedly, it can be mind-boggling to navigate the spectrum of options one may invest in: from bonds to shares to funds all the way to real assets. Where to start from? The very first step is to think about your objective and your risk tolerance. You can do this on your own or with the help of a financial professional. As a rule of thumb, it is good practice to have easily-accessible emergency savings that are the equivalent of three months’ salary. This is your fallback fund and will enable you to cover your basic expenses, in case of an unexpected setback. Once that is sorted, you can start focusing on your investment plan. Weighing your expected return and the risks you are willing to take on board is no easy feat. Interest rates...