Investment is that part of our total disposable income, which we choose to use to increase our income or wealth in the future by postponing part of our current consumption.

Building an efficient investment portfolio requires a holistic approach that reflects both the risk that each individual is willing to undertake as well as his investment strategy and long-term financial goals.

A proper investment strategy requires both transnational and long-term diversification, which means investing in different countries and markets, in order to significantly reduce the risk of the investment portfolio.

The main features of an investment are its maturity, the certainty of its performance (risk), its ability to liquidate and its tax treatment. It should be noted that, in principle, investments with higher expected returns entail higher risk.

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