It doesn’t matter if you’re an expert investor or just starting, the following tips are important bite-sized pieces of knowledge you should find useful.

Right off the bat, it's important to have a few important stats when it comes to investing:

-The stock market averages around 7% a year
-Individual investors average about 4% a year
-Average savings account is 0.08% a year

What you can expect everywhere else

Looks like you should be able to just invest in the stock market and earn 7% a year, right?

Here’s the thing, the stock market averages 7%, but the actual returns can be wildly different. Some years you could see a 20% return, some a 1% return, and some you can even see a negative return.

The main thing is that over time, the market does see a significant positive average return.

Individual investors generally do worse off than the market because of a variety of mistakes. We cover how to avoid making these mistakes in one of the next tips.

Now if investing seems scary, doing nothing can be even scarier.

A lot of people have most of their money sitting in cash. Most savings accounts, if you even have one, generally pay out close to nothing and even many high interest savings accounts are below the inflation rate.

This means that by placing your money in a savings account, you could be "losing" money due to inflation every year.

What you can expect with Round

Here is our performance so far for the first half of this year:

Your portfolio is being managed in a way that is optimized for growth, while your risk is constantly being managed.

This means that we aim to provide more stable returns through high quality investment management and by providing access to prestigious funds. Here's how:

1. We focus on Total Return, which means that your return is made up of monthly and quarterly dividend payments and the change in the value of your investments.
2. We allocate you to some of the most prestigious funds that many institutions invest in.
3. We focus on optimizing for growth, but in times of volatility and risk, our investment team prioritizes protecting your portfolio. This means moving out of areas that we believe are too risky for the return you would expect to receive.

If you skipped to the bottom or just want a summary:

By investing with Round, you will hopefully get a little more sleep and have less of a headache when it comes to growing your money.

In the next tip, we explain a little more about how we invest at Round!