You may have substantial earnings or have inherited a comfortable lump sum but if you don’t know how to grow it, then it is very likely that your wealth will deplete over time.

This will of course contribute to one of the greatest of financial fears, the fear of outliving your savings.

To hold onto your savings the most important first step is to work with a qualified financial professional to establish a personalized comprehensive financial and investment plan.

Obstacles to investing or even planning for retirement are mostly self-imposed. Anyone can be an investor. The first step is to identify and acknowledge the obstacles holding you back from investing.

If you don’t invest, it is very likely that you may outlive your money.

The following will explore five common obstacles people face when it comes to investing, and how you can overcome them.

Rising interest rates can create stress for you as an investor, especially if you are carrying a high debt load. However, it is important to not let changing interest rates deter you from your long-term investment strategy.

A well-executed financial plan that stays on course is more valuable than a constantly changing investment strategy.

Understanding the relationship between interest rates and investment returns may help relieve much of your stress.

The Efficient Market Hypothesis (EMH) suggests that investment markets and stock prices are rational and fully reflect all available information. However, there are times when markets may deviate from EMH due to market anomalies.

An anomaly is defined as a strange or unusual occurrence. With respect to stock markets, the continuous release and quick dissemination of new information and ongoing speculation can mean that markets are not always so efficient.

Many of these market anomalies come and go quickly. Others occur just frequently enough that investors may be tempted to use them as the basis for a trading strategy.

Here we list several stock market anomalies (calendar and trade driven), including some that occur on a semi-regular basis. But do they occur with enough regularity that investors can profit from them?

Stock market volatility is a measure of how much the stock market’s total value fluctuates up and down. Stock market volatility can increase when external factors such as inflation and the COVID-19 pandemic create uncertainty for the economy. This volatility contributes to investment portfolio gains and losses. Understanding market volatility should help you gain more often than you lose.