Since the start of the war in Ukraine, the energy crisis, rising inflation, economic uncertainties and especially the rise in interest rates has affected investments worldwide – your investments as well.
It is very important to remember that your plan at Selma is built for the long term. A crisis unfortunately needs to be expected when investing for the long term – if you invest for 10+ years the possibility that you will also invest through a crisis is unfortunately quite high. It is not a good idea to react emotionally in a crisis.
Remember: Your plan has already been built with the knowledge that markets do not always go up, but fluctuate over time.
The strategy of Selma is to broadly diversify your investments. Diversification is very important as it helps to better balance risks.
What the past has shown is that over the long run any backdrop in the market can be an opportunity to buy things cheaper. This is why it makes sense to keep investing regularly - even in times of uncertainty. This helps you to balance the ups and downs in the market and get a stable average price over time.
Selma provides you with an investment portfolio that fits your investor profile (i.e. your financial situation, your attitude towards risk and your investor horizon) – to make sure your long-term investments fit your life situation.
Many different factors can influence the performance or your investments, for example:
the time and amount when you started investing
when and how much you made further deposits
the development of markets
the development of interest rates and their effect on the market value of existing investments (especially bonds)
We also have more resources about performance and how to look at it. Please find below a webinar and some linked learn articles.
The webinar: Strategy, Performance & Market Update October 2023
In the beginning of October 2023 we held a webinar about strategy, performance and some market updates with Patrik Schär (CEO), Stefan Jaecklin (Investor) and Thomas Pirker (Customer Success Manager). Below you find the recording of the webinar.
Helpful additional reads:
In the article Decoding investment performance: 5 tips every investor should keep in mind you will learn how to navigate common challenges when comparing investment performance, and you'll gain actionable insights to help you make better informed, long-term decisions. 💡
Great reads to learn more about Selma:
What is happening in the market?
Here you find our latest Market Update articles.
What to consider when investing long-term: