{"id":67494,"date":"2023-09-17T08:53:23","date_gmt":"2023-09-17T08:53:23","guid":{"rendered":"https:\/\/adamfayed.com\/?p=67494"},"modified":"2025-04-17T13:25:03","modified_gmt":"2025-04-17T13:25:03","slug":"is-risk-essential-in-investing","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/it\/uncategorized\/is-risk-essential-in-investing\/","title":{"rendered":"Is risk essential in investing?"},"content":{"rendered":"<p>Scrivo spesso su Quora.com, dove sono lo scrittore pi\u00f9 visto in materia finanziaria, con oltre 267,5 milioni di visualizzazioni negli ultimi anni.<\/p>\n\n\n\n<p><strong>Nelle risposte che seguono mi sono concentrato sui seguenti argomenti e problemi<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is risk essential in investing?<\/li>\n\n\n\n<li>What is the cheapest citizenship by investment?<\/li>\n\n\n\n<li>Why do people spend so much on coffee, off from their daily budget?<\/li>\n\n\n\n<li>Do all rich people really deserve their money?<\/li>\n\n\n\n<li>What assets make people rich? Can you explain simply?<\/li>\n<\/ul>\n\n\n\n<p>Se volete che risponda a qualche domanda su Quora o YouTube, o se state cercando di investire, non esitate a<a href=\"https:\/\/adamfayed.com\/it\/#contact-me\">&nbsp;contattatemi<\/a>, e-mail (advice@adamfayed.com) o utilizzare la funzione WhatsApp qui sotto.<\/p>\n\n\n\n<p>Alcuni dei link e dei video a cui si fa riferimento potrebbero essere disponibili solo nelle risposte originali.<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is \u2018risk\u2019 essential in investing?<\/strong><\/h2>\n\n\n\n<p><strong>Questo <a href=\"https:\/\/www.youtube.com\/watch?v=yHF3vZA9_E4&amp;embeds_referring_euri=https%3A%2F%2Fwww.quora.com%2F&amp;source_ve_path=MjM4NTE&amp;feature=emb_title\" target=\"_blank\" rel=\"noopener\">man says it best<\/a>:<\/strong><\/p>\n\n\n\n<p><strong>Ultimately:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The risk of NOT investing is usually bigger than investing<\/li>\n\n\n\n<li>Cash has loads of risks due to inflation and currency depreciation<\/li>\n\n\n\n<li>You can lower investing risks significantly by:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Not putting all your eggs in one basket<\/li>\n\n\n\n<li>Being very long-term orientated.<\/li>\n\n\n\n<li>Having downside-protection\/an insured downside.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/www.quora.com\/What-is-the-cheapest-citizenship-by-investment\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><strong>What is the cheapest citizenship by investment?<\/strong><\/h2>\n\n\n\n<p>Cheap is a relative concept.<\/p>\n\n\n\n<p>Some schemes are very expensive and others are much cheaper, but aren\u2019t cheap per see.<\/p>\n\n\n\n<p>Usually you need to pay $10,000-$30,000 minimum on fees + make an investment into real estate or other instruments to qualify.<\/p>\n\n\n\n<p>That is cheap if you end up saving a lot in taxes though.<\/p>\n\n\n\n<p>If you really want the cheapest option it is better to get residency first, and then citizenship.<\/p>\n\n\n\n<p>In terms of the cheapest citizenship by investment programs, these are the best in 2023:<\/p>\n\n\n\n<p><strong>Antigua e Barbuda<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-98cd1aac35f0036cb62f2df639c40665\" alt=\"\" style=\"width:328px;height:auto\"><\/figure>\n\n\n\n<p><strong>Saint Kitts e Nevis<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-e7b3e12b007d851f9ea4c22276fcf1aa\" alt=\"\" style=\"width:326px;height:auto\"><\/figure>\n\n\n\n<p><strong>Vanuatu<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-9e360d7022adc41c6861e48496ef3924\" alt=\"\" style=\"width:326px;height:auto\"><\/figure>\n\n\n\n<p>There are also many other options in the Caribbean.<\/p>\n\n\n\n<p>For those who prefer Europe, Malta and Portugal are good.<\/p>\n\n\n\n<p>You do need to get residency first, which can be done via various golden visa programs, and then you can apply for citizenship later on.<\/p>\n\n\n\n<p>If you do change your residency and citizenship, it is essential you also check your existing financial situation, including investments.<\/p>\n\n\n\n<p>Many people move to pay fewer taxes but forget to check out where their assets are invested, and that can result in many hidden risks.<\/p>\n\n\n\n<p>Often you need to reduce or cut your financial ties to your home country to really cut your taxes <\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/www.quora.com\/Why-do-people-spend-so-much-on-coffee-off-from-their-daily-budget\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><strong>Why do people spend so much on coffee, off from their daily budget?<\/strong><\/h2>\n\n\n\n<p>Partly due to habit.<\/p>\n\n\n\n<p>Society has also changed in recent decades.<\/p>\n\n\n\n<p>Going to a coffee shop has become akin to going to a bar or restaurant.<\/p>\n\n\n\n<p>In moderation, there is nothing wrong with buying coffee outside, if somebody enjoys it.<\/p>\n\n\n\n<p>I also don\u2019t think it makes sense to just focus on saving.<\/p>\n\n\n\n<p>What does make sense is to consider this &#8211; what if I invested the same money?<\/p>\n\n\n\n<p>I saw the image below from LinkedIn recently, and it is striking.<\/p>\n\n\n\n<p>The point isn\u2019t that you should never buy coffee outside. Merely, there are many indirect costs of everything we do.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-5504d47a63ed66af88583c3667726ab5\" alt=\"\"><\/figure>\n\n\n\n<p>The same is even more true for bigger cost items.<\/p>\n\n\n\n<p>What is better, financially? Looking rich with luxury cars worth hundreds of thousands, or having hundreds of thousands in the same companies\u2019 stock?<\/p>\n\n\n\n<p>From a wealth point of view, the answer is obvious.<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><a href=\"https:\/\/www.quora.com\/Do-all-rich-people-really-deserve-their-money\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do all rich people really deserve their money?<\/strong><\/h2>\n\n\n\n<p>If we get into a subjective debate about \u201cdeserve\u201d it becomes a pointless argument.<\/p>\n\n\n\n<p>In some religious societies, people would think that those engaged in gambling and alcohol businesses don\u2019t deserve their money.<\/p>\n\n\n\n<p>Even in some Western societies, people find it questionable that some people can earn a lot from gambling businesses, adult entertainment and other legal services.<\/p>\n\n\n\n<p>Plenty of people, globally, think it is ridiculous that footballers can make a lot of money.<\/p>\n\n\n\n<p>YouGov, a UK polling agency, found that the public feel like top footballers should earn 75,000 Pounds a year (about $100,000)<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-fd01ed22776493d8fbefc5570d8ea6db\" alt=\"\"><\/figure>\n\n\n\n<p>This is why we have markets, and personal choice.<\/p>\n\n\n\n<p>If not, it becomes a subjective debate about who deserves what.<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><a href=\"https:\/\/www.quora.com\/What-assets-make-people-rich-Can-you-explain-simply\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What assets make people rich? Can you explain simply?<\/strong><\/h2>\n\n\n\n<p>Any asset that increases, on average, above the rate of inflation.<\/p>\n\n\n\n<p>If inflation, long-term, averages out at 3% per year, you will gain wealth with any investment that pays over 3.01% per year.<\/p>\n\n\n\n<p><strong>Realistically, however, you will need:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An asset which easily beats inflation<\/li>\n\n\n\n<li>An asset which beats inflation easily over many decades.<\/li>\n<\/ul>\n\n\n\n<p>An example is the US stock markets.<\/p>\n\n\n\n<p>Below is the return of the S&amp;P500 since 1989.<\/p>\n\n\n\n<p>One line is adjusted for dividend reinvestment:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-d5ea75f7fcdd134b97df87d9dee7121c\" alt=\"\"><\/figure>\n\n\n\n<p><strong>Other assets that can make you rich are:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Real estate. Usually this only occurs if you use leverage\/debt and rental incomes properly, and doesn\u2019t come from price appreciation only. In most countries this has became more difficult<\/li>\n\n\n\n<li>Running your own business<\/li>\n\n\n\n<li>Private equity and angle investing. Higher risk than publicly available stocks though.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Siete afflitti dall'indecisione finanziaria? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/become-adams-client\/\">Diventa mio cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fare il quiz sull'idoneit\u00e0 del cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contatto<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam \u00e8 un autore riconosciuto a livello internazionale in materia finanziaria con oltre 830 milioni di visualizzazioni di risposte su Quora, un libro molto venduto su Amazon e un contributo su Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Is risk essential in investing?<\/p>","protected":false},"author":1,"featured_media":67495,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[1],"tags":[],"class_list":["post-67494","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/67494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/comments?post=67494"}],"version-history":[{"count":1,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/67494\/revisions"}],"predecessor-version":[{"id":136009,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/67494\/revisions\/136009"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media\/67495"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media?parent=67494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/categories?post=67494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/tags?post=67494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}