📂 Stages 5–7: Learning the Basics of Investing – Decisions Become Conscious
You already understand the difference between a savings account, index funds, and cryptocurrencies. You know that not all investments are the same and that diversification is essential.
At this stage, you may have already started investing small amounts, choosing simpler products like a third-pillar pension plan, unit-linked life insurance, or an index fund.
You approach investing with moderate caution — verifying information sources, understanding risk levels, and thinking long-term.
Emotional aspects are also important here: overcoming fear of market fluctuations and developing patience.
Questions about your goals become relevant — are investments a path to financial freedom, retirement, or children’s education? Investing becomes a tool for achieving goals, not a goal itself.
At this stage, it is advisable to start using calculators and planning tools to see how your money can grow over time.