We know that investing can seem complex but here are some simple tips that will help you confidently build your financial future. If you’d like to start investing visit www.moneyboxapp.com to find out more. All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest.

1. 7 tips for financial
success in 2019
We know that investing can seem complex but here are some simple tips that
will help you confidently build your financial future.

2. 1. Make sure you have enough money set
aside for a rainy day
Having 3-6 months of costs set
aside in savings will give you
peace of mind and a little more
financial freedom.

3. 2. Pay your future-self first
● Get clear on your financial goals.
● Develop a plan.
● Pay your future-self a
percentage of your salary
(decide the amount based on
your goals and then use tools
like Moneybox to automate
this).

4. 3. Think longer-term
Over the long-term – despite ups and downs – the stock market has
been the best place for the longer-term investor to build their wealth.
Remember past performance is not a reliable guide to future performance
and you may get back less than you invest.
The chart shows the
US stock market over
the last 50 years. Had
you invested in it 50
years ago, you would
now have made 21
times your money.

5. 4. Don’t trust your instincts
● When it comes to money,
emotions are enemy number
one.
● Rationally we want to buy
low and sell high but this isn’t
always what we end up
doing.
● When fear kicks in it can lead
us to sell when markets
tumble.

6. 5. Automate your investments by buying
little and often
Regular investing each week or
month, no matter what the state
of the market, will teach you a
non-emotional approach.
You’ll buy low, high
and everything in
between.

7. 6. Don’t let your cash stash get too big
Holding savings in cash for the short-term makes sense. Whilst there are
no guarantees of future performance, over the long-term shares have
delivered better returns than cash.
Here’s a graph that
shows the percentage
of times during the
last 116 years that
shares have beaten
cash when held for 5,
10 and 18 consecutive
years.
Source: Barclays Equity Gilt Study

8. 7. Don’t put off till tomorrow what you can
do today
Whatever you’re planning, start now. You’ll
feel better and crucially you’ll benefit from
compound returns.

9. The bottom line
No matter where you’re going or what your goals are, follow these steps to
improve your finances this year.
If you’d like to start investing visit www.moneyboxapp.com to find out more.
All investing should be regarded as longer term. The value of your investments
can go up and down, and you may get back less than you invest.