People often think the stock market is all about quick trades because that’s what grabs headlines – it’s like the financial world’s version of a fad diet. But the real secret, like in Warren Buffett’s case, isn’t just picking winners; it’s choosing companies that grow your money over many years.

If you choose to buy or sell ‘at market’ you’ll buy or sell at whatever the market price is at the time you place your order. An ‘at limit’ order means that you nominate the highest price you’re willing to pay or the lowest price you’re willing to sell at.

Borrowing to invest (often called “gearing”) in shares can amplify your returns – but it can also amplify your losses. It’s a bit like driving fast: you might get there quicker, but there’s more risk involved. For most people, the added risk usually outweighs the potential benefits. If you’re considering borrowing, it’s important to understand how margin calls work, the potential impact of rising interest rates, and how changes in your personal circumstances could affect your ability to afford the loan comfortably. For peace of mind (and better sleep at night), we generally recommend sticking to investing with your own cash. If you do decide gearing is right for you, always talk to a financial adviser first.

Cryptocurrencies like Bitcoin have grabbed a lot of headlines – and yes, some people have made significant profits. But here’s the reality: crypto is extremely volatile and speculative. Unlike shares or bonds, crypto doesn’t generate income, making its value entirely dependent on demand from other investors. In other words, its price relies on someone else being willing to pay more than you did. At The Prosperity Pages, we prefer investments with clearer, long-term value. While crypto might be tempting, for most people, it’s more like gambling than investing.