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    • Investing 101: Short-Term vs Long-Term Investments

    10 August 2022

    aia logo

    Investing 101:

    Short-Term vs Long-Term

    Before embarking on your investment journey, you must first understand your options. From short to long-term, here's everything you need to know!

    Short term vs Long Term

    Short-Term Investments

    If you’re looking to meet more immediate financial goals (i.e. a down payment for a new home), investing for the short term (typically between 3 and 5 years) may work for you.

    If you’re wary about starting your investment journey, short-term investments are known to be safer because they carry lower risks.

    When you make a short-term investment, you’re also given more flexibility in terms of when you want to withdraw your money.

    However, this comes at the cost of losing out on the potentially higher returns that you may get from investing long-term. 

    Examples Of Short-Term Investments: 

    • Fixed Deposits 
    • Government Bonds
    • Money Market Funds
    Short term investment

    Long-Term Investments

    If you want to grow your money for something big (e.g. retirement) and don’t plan on using it in the near future (i.e. more than 5 years), then long-term investments may be right up your alley!

    While long-term investments generally carry more risks due to market volatility, your money will have enough time to recover and potentially yield a lot more than what you started out with.

    These investments can be more restrictive in terms of access to your money, meaning you cannot withdraw your funds as and when you please.

    Long term investment

    Examples Of Long-Term Investments:

    • Real Estate Investment Trusts (REITs)
    • Unit Trusts
    • Employees Provident Fund (EPF)
    Quick summary

    Finding The Middle Ground

    If you’re not sure if your needs fit the objectives of short or long-term investing, you may opt for somewhere in between. Medium-term investing is another option you can explore.

    Those who invest for the medium term can decide exactly how long they want to invest, although the typical time horizon is usually between 2 and 10 years. 

    Cryptocurrency can be considered a medium-term investment, as you have the option to withdraw your returns at any time. While some people invest for longer periods, others withdraw their returns as soon as they see its value increase.

    However, do take note that cryptocurrencies are highly volatile, which is why experts suggest investing only what you can afford to lose. So, proceed with caution if you want to dive into crypto!  

    Medium term investment

    Examples Of Medium-Term Investments:

    • Cryptocurrency
    • Income or Growth Funds

    Choosing The Right Time Horizon For You

    Ultimately, you’ll need to thoroughly consider and assess how you would like to grow your own funds, as well as how much you want to earn.

    One helpful way to determine your investment term is by ensuring your goals are planned well. With AIA’s Total Wealth Solution, we can help you determine the best course of action tailored to suit your specific financial needs.

    So, take charge of your financial future today and invest wisely!

    Right time horizon
    REFERENCES

    https://www.thebalance.com/are-long-term-or-short-term-investments-better-2385918

    https://www.bankrate.com/investing/best-short-term-investments/

    https://www.imoney.my/articles/how-much-invest-cryptocurrency

    https://www.forbes.com/advisor/investing/tips-for-long-term-investing/

    https://www.investopedia.com/terms/m/mediumterm.asp

    How To Build Your Wealth

    AIA logo

    Investing 101:

    Short-Term vs. Long-Term

    Before embarking on your investment journey, you must first understand your options. From short to long-term, here's everything you need to know!

    Short term vs Long Term

    Short-Term Investments

    If you’re looking to meet more immediate financial goals (i.e. a down payment for a new home), investing for the short term (typically between 3 and 5 years) may work for you.

    If you’re wary about starting your investment journey, short-term investments are known to be safer because they carry lower risks.

    When you make a short-term investment, you’re also given more flexibility in terms of when you want to withdraw your money.

    However, this comes at the cost of losing out on the potentially higher returns that you may get from investing long-term. 

    Examples Of Short-Term Investments: 

    • Fixed Deposits 
    • Government Bonds
    • Money Market Funds
    Short term investment

    Long-Term Investments

    If you want to grow your money for something big (e.g. retirement) and don’t plan on using it in the near future (i.e. more than 5 years), then long-term investments may be right up your alley!

    While long-term investments generally carry more risks due to market volatility, your money will have enough time to recover and potentially yield a lot more than what you started out with.

    These investments can be more restrictive in terms of access to your money, meaning you cannot withdraw your funds as and when you please.

    Examples Of Long-Term Investments:

    • Real Estate Investment Trusts (REITs)
    • Unit Trusts
    • Employees Provident Fund (EPF)
    Long term investment

    A quick summary

    Short-Term Investments

    • More liquidity.  

    • Safer, but with lower yield.

    • More stable value.

    • Many come with flexible withdrawal options.
    Quick summary girl

    Long-Term Investments

    • Less liquidity. 

    • More risks involved, but the value of your investment has potential to grow more significantly.

    • The value of your investments can fluctuate depending on economic & other factors. 

    • Limited or restricted withdrawal options.
    Girl with calendar

    Finding The Middle Ground

    If you’re not sure if your needs fit the objectives of short or long-term investing, you may opt for somewhere in between. Medium-term investing is another option you can explore.

    Those who invest for the medium term can decide exactly how long they want to invest, although the typical time horizon is usually between 2 and 10 years. 

    Cryptocurrency can be considered a medium-term investment, as you have the option to withdraw your returns at any time. While some people invest for longer periods, others withdraw their returns as soon as they see its value increase.

    However, do take note that cryptocurrencies are highly volatile, which is why experts suggest investing only what you can afford to lose. So, proceed with caution if you want to dive into crypto!  

    Examples Of Medium-Term Investments:

    • Cryptocurrency
    • Income or Growth Funds
    Medium term investment

    Choosing The Right Time Horizon For You

    Ultimately, you’ll need to thoroughly consider and assess how you would like to grow your own funds, as well as how much you want to earn.

    One helpful way to determine your investment term is by ensuring your goals are planned well. With AIA’s Total Wealth Solution, we can help you determine the best course of action tailored to suit your specific financial needs.

    So, take charge of your financial future today and invest wisely!

    Medium term investment
    REFERENCES

    https://www.thebalance.com/are-long-term-or-short-term-investments-better-2385918

    https://www.bankrate.com/investing/best-short-term-investments/

    https://www.imoney.my/articles/how-much-invest-cryptocurrency

    https://www.forbes.com/advisor/investing/tips-for-long-term-investing/

    https://www.investopedia.com/terms/m/mediumterm.asp

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