{"id":28404,"date":"2026-10-08T09:00:10","date_gmt":"2026-10-08T07:00:10","guid":{"rendered":"https:\/\/my-life.lu\/?p=28404"},"modified":"2026-08-28T11:43:45","modified_gmt":"2026-08-28T09:43:45","slug":"balancing-risk-and-reward-in-savings-and-investment-52517","status":"publish","type":"post","link":"https:\/\/my-life.lu\/en\/balancing-risk-and-reward-in-savings-and-investment-52517\/","title":{"rendered":"Balancing risk and reward in savings and investment"},"content":{"rendered":"

Achieving a good balance of risk and reward is at the heart of managing long-term savings. At one end of the scale, people can keep their money in a cash savings account, confident that they will get back exactly what they put in, with a small amount of interest on top. At the other offer stock market investments or alternative strategies the potential for greater returns over time but with no guarantees of recovering the full amount invested. How should you balance the risk?<\/p>\n

The concept of risk and reward is fundamental to investing. The basic premise is that investors will obtain a greater reward for putting their capital at risk \u2013 and that potential reward is higher the greater the potential risk. Are they willing, for example, to accept losing 10% of their investment over a single year, in return for the opportunity of obtaining a 50% higher return over five years? Although the example is very basic, it provides a good illustration of the calculations that investors need to make when deciding on the mix of investments in their savings portfolio.<\/p>\n

The impact of risk is on a sliding scale. Some investments are extremely high-risk, such as small, early-stage companies (or esoteric derivative strategies), while other investments \u2013 such as government bonds \u2013 entail much less potential jeopardy.<\/p>\n

In general, government bonds<\/strong><\/span><\/a> are considered a low-risk option because investors know the income they will receive from the start and almost always get their money back at the end of the bond’s duration, since very few governments default on their debt. Bonds issued by the biggest and most prestigious companies may entail slightly higher risk, but defaults are also very rare.<\/p>\n

Volatility of stock market investment<\/h2>\n

Stock market investment<\/strong><\/span><\/a> is higher risk, because share prices are more volatile, depending on the sentiment of market participants and the impact of political and economic developments, and there is no guarantee that investors will receive back what they have invested \u2013 but here too, there is a sliding scale.<\/p>\n

Large, multinational groups tend to offer more stable performance, with more predictable revenue and consistent dividend payments. There are also sectors where the fluctuation in demand is less \u2013 utilities, for example, and consumer staples. Smaller companies, or those whose business is in emerging economies, may involve a higher risk. While investors could potentially receive a higher return, they are also are at risk of greater losses.<\/p>\n

Most investment portfolios comprise a blend of different investments with different degrees of risk.<\/p><\/blockquote>\n

Most investment portfolios comprise a blend of different investments with different degrees of risk. Investors may hold a portion of their savings in cash to cover them for emergencies<\/strong><\/span><\/a>. The next layer up might be fixed-income investments, which can provide an income where necessary and also some low-risk ballast for a portfolio. Another portion might be in higher-risk assets, such as stock market investments.<\/p>\n

Does taking risk pay off?<\/h2>\n

Are the rewards for taking additional risk worth it? After all, in the short term, a savings account paying 4% in which your capital is safe may appear preferable to a volatile stock market investment. However, over the long term, a difference of 3% or 4% can make a significant difference.<\/p>\n

To illustrate this, the long-term average annual return from the MSCI World index since December 31, 1987 has been 8.7%. A sum of \u20ac10,000 invested in 1987 and earning 8.7% a year would in 2026 be worth \u20ac293,290. In contrast, the same amount invested at just 4% would amount to only \u20ac47,464. This is the power of higher returns, compounded over time<\/strong><\/span><\/a>.<\/p>\n

Admittedly, it is not always an easy ride. Over the past 10 years, investors have had to suffer three years of negative returns \u2013 in 2015, 2018 and 2022. There have also been some very uncomfortable periods, such as during the first months of the Covid-19 pandemic. Markets have always recovered, but it can be difficult to watch painstakingly accumulated savings being eaten away.<\/p>\n

Markets have always recovered, but it can be difficult to watch painstakingly accumulated savings being eaten away.<\/p><\/blockquote>\n

However, there are some risks on the other side as well. Inflation<\/strong><\/span><\/a> is a problem for all investors. People may find that even if the capital value of their savings has not changed, it no longer buys as much as it used to. The European Central Bank’s inflation target is 2.0%, and in recent years annual consumer price increases have run higher than that. In other words, savers need to run harder just to stand still. This can present a problem when money is held in low-interest savings accounts, particularly over the longer term.<\/p>\n

Avoid trying to time the market<\/h2>\n

Long-term saving encompasses more than merely weighing risk and reward\u2014it also involves investment strategies. Every year, the influential Dalbar Quantitative Analysis of Investor Behavior study finds that investors do not get the full return from their investments because they tend to try to time the market<\/strong><\/span><\/a>, with the result that they buy and sell at the wrong time. The latest Dalbar report indicates a relatively narrow gap between the performance of the S&P 500 and the return enjoyed by the average equity investor \u2013 just 0.72% in 2025, the smallest gap since 2012; but the previous year it was no less than 8.48%.<\/p>\n

A critical aspect of investing is to resist the urge to respond to every gyration of the markets. While it may be uncomfortable to endure market turbulence, remaining invested is often the best approach. Research from Morningstar has found that missing just 10 days in the market over a period of 25 years can significantly diminish an investor’s long-term returns.<\/p>\n

Morningstar reports that a \u00a310,000 investment made in January 2000 in a fund that tracks the MSCI World index would have grown to \u00a356,891 by 2025. However, investors who missed the 10 best days of returns of that quarter-century would have cost themselves almost \u00a325,000, leaving them with a return of \u00a332,703. Part of the problem is that the best days in markets often come immediately after the worst days, which means that selling out during periods of market volatility can be destructive to one’s wealth.<\/p>\n

Benefits of regular investment<\/strong><\/span><\/p>\n

It is vitally important to stay invested through upbeat and downbeat conditions, ignoring short-term volatility. Techniques exist that can help investors do this. For example, investing on a regular basis rather than a lump sum can help smooth some of the fluctuations of the market. Buying assets at a range of different price points if money is invested automatically every month can also help remove some of the stress from investment decision-making.<\/p>\n

Having a diversified portfolio<\/strong><\/span><\/a> is also important. It is easy to become over-attached to investments that have done well, but over time, they can become a proportionately large share of a portfolio. In recent years this has seen big US technology groups account for a very large share of US and global stock market indices. Keeping a spread of sectors and regions in the portfolio can help in managing risk and provide smoother overall returns.<\/p>\n

Accepting risk with your investments can help to boost returns over time and to address the risk of inflation eating away at the value of long-term savings. However, there are trade-offs in the form of volatility and the potential for capital loss. Part of investing is finding the right balance that suits your financial goals and time horizon \u2013 and help ensure you can sleep at night.<\/span><\/em><\/p>\n

The basic premise is that investors will obtain a greater reward for putting their capital at risk \u2013 and that reward is higher the greater the potential risk.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"

Achieving a good balance of risk and reward is at the heart of managing long-term savings. At one end of the scale, people can keep their money in a cash savings account, confident that they will get back exactly what they put in, with a small amount of interest on top. At the other offer … <\/p>\n

Continue reading “Balancing risk and reward in savings and investment”<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":28401,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","beyondwords_generate_audio":"1","beyondwords_project_id":"44704","beyondwords_content_id":"fb93f8e2-1d04-4bca-af5a-69639e16447c","beyondwords_integration_method":"rest-api","beyondwords_language_code":"en_GB","beyondwords_language_id":"","beyondwords_body_voice_id":"492","beyondwords_delete_content":"","beyondwords_source":"","beyondwords_output":"","beyondwords_script_template_id":"","beyondwords_video_template_id":"","beyondwords_video_size":"","beyondwords_embed":"","beyondwords_podcast_id":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":""},"categories":[37,188,142],"tags":[220,400,413,587],"class_list":["post-28404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-me-and-my-family-en","category-investment-en","category-savings-en","tag-profil-dinvestisseur","tag-investment","tag-savings","tag-investor-profile-en","my_family"],"yoast_head":"\nBalancing risk and reward in savings and investment - 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