Ep197 How I Invest

Investing can feel like a black hole: confusing, intimidating, and risky, especially when you've worked hard for every dollar you've earned. In this episode of Money with Alpha, I share my real, lived investing journey. Not from a financial markets background, but as someone who had to figure it out step by step.

I walk you through:

• The difference between income returns and capital growth (and why this matters more than most people realise)

• How to understand your risk profile beyond generic questionnaires

• What diversification actually means (and what it definitely isn't)

• How I structure my own portfolio, including defensive vs growth assets

• Why I invest in ETFs and micro-investing

• Why "time in the market" always outperforms "timing the market"

• How consistent, boring investing quietly builds wealth over time.

This episode is about taking the fear out of investing, simplifying your decisions, and helping you feel more confident taking action, even if you're starting small.

🎧 Listen now and discover why investing doesn't have to feel like gambling.