Investing in equities is likely to have brought losses to most investors this year.
For the first time since 2018. Before that, 2011 was the last year of losses.
And 2008 in the financial crisis.
Investing is not without risk.
Bonds also suffered losses, some of them heavy, this year.
The turnaround in interest rates is leaving its mark.
Also on the market for overnight interest rates.
There is credit interest again.
However, apart from a few bait offers, rarely more than 1 percent.
That's paltry given an inflation rate of 10 percent.
Every investor has to consider whether he prefers this safe real interest rate minus of currently 9 percent or whether he exposes himself to the risks of the capital markets.
The risk is usually rewarded with a higher return.
But there are conditions to be observed.
The investments should be spread out, in stocks, bonds, real estate and, if you like, gold.
It should also be diversified within the categories: a diversification offered by funds or real estate stocks is a good idea for several stocks, bonds or funds and also for real estate.
And investors shouldn't lose patience after a losing year.
Those who do not have the patience should better stay away from the capital markets.
He just loses nerves and probably money too.
Those who are more patient rarely have to wait longer than a year for losses in a diversified portfolio to be recouped.
Willingness to take risks is rewarded on the stock exchanges.