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InvestingIntermediate

Saving and investing basics

From inflation to deposits, compound interest to risk — and how to spot a scammer

5 lessons 37 min 150 XP Certificate
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How can you protect and grow your money? In this course you'll learn how inflation affects savings, how deposits and deposit insurance work, compound interest and the rule of 72, risk and diversification, and how bonds differ from shares. Finally, you'll practise telling a legitimate financial intermediary from a scammer and spotting financial pyramids. The course provides general knowledge and is not personal investment advice.

Course programme

  1. 1
    How inflation eats your money
    Inflation through a bazaar shopping basket: why cash under the mattress loses value and how to work out real return.
  2. Deposits and deposit insurance
    Term and demand deposits, interest and compounding, the Deposit Insurance Fund, and why a very high rate is a reason to check.
  3. Compound interest: the snowball effect
    How interest on interest works, how to estimate doubling time with the rule of 72, and why regular saving is so powerful.
  4. Risk and diversification
    How risk and return are linked, how bonds differ from shares, "not putting all your eggs in one basket", and the investment horizon.
  5. Licensed or a scam?
    How to tell a legitimate intermediary from a scammer: checking the licence, "guaranteed returns", financial pyramids and pressure tactics.
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Saving and investing basics