{"id":1156,"date":"2025-07-23T08:21:00","date_gmt":"2025-07-23T08:21:00","guid":{"rendered":"https:\/\/diyinvestinghub.com\/?p=1156"},"modified":"2025-08-18T07:54:17","modified_gmt":"2025-08-18T07:54:17","slug":"why-you-should-start-investing-even-if-you-never-have-before","status":"publish","type":"post","link":"https:\/\/diyinvestinghub.com\/it\/why-you-should-start-investing-even-if-you-never-have-before\/","title":{"rendered":"Perch\u00e9 dovreste iniziare a investire (anche se non l'avete mai fatto prima)"},"content":{"rendered":"

For many people, the word \u201cinvesting\u201d sounds intimidating\u2014reserved for the wealthy, the mathematically gifted, or those working in finance. But in reality, investing is one of the most accessible and powerful tools anyone can use to build long-term wealth. And if you\u2019ve never invested before, 2025 might be the perfect time to start.<\/p>\n\n\n\n

Il costo reale del mancato investimento<\/h3>\n\n\n\n

Let\u2019s start with a fact that might surprise you: over the last 30 years, the S&P 500 has returned an average annualized return of about 10%. Meanwhile, average savings accounts in Europe and the U.S. offer interest rates well below inflation, typically around 1\u20132%. That means if you\u2019re only saving money in a traditional bank account, you\u2019re actually losing purchasing power every year.<\/p>\n\n\n\n

Inflation has hovered around 3\u20135% annually in recent years (with spikes even higher in 2022\u20132023), making it essential to put your money to work. Simply put, you cannot save your way to financial freedom\u2014you must invest.<\/p>\n\n\n\n

Investing Doesn\u2019t Require a Fortune<\/h3>\n\n\n\n

There\u2019s a misconception that you need thousands of euros or dollars to begin investing. Today, that simply isn\u2019t true. Thanks to low-cost brokerages, ETFs (exchange-traded funds), and fractional shares, many platforms allow you to start investing with as little as \u20ac 10 or \u20ac 20. Robo-advisors and mobile apps have made it even easier, with automatic portfolio creation and rebalancing.<\/p>\n\n\n\n

Piattaforme come Trade Republic, DEGIRO, Vanguard e Betterment hanno reso l'investimento semplice per i principianti. Anche con un'esperienza minima, \u00e8 possibile ottenere un'esposizione a un paniere diversificato di azioni globali con commissioni ridotte.<\/p>\n\n\n\n

Il tempo nel mercato batte il tempismo del mercato<\/h3>\n\n\n\n

The earlier you begin, the better. That\u2019s because of compound interest\u2014a concept where the gains you earn start to earn their own gains. Albert Einstein allegedly called it the \u201ceighth wonder of the world.\u201d For example, if you invest \u20ac 100 monthly from age 25 to 65 with a 7% average return, you\u2019ll end up with over \u20ac240,000. Wait until 35 to start? That drops to just over \u20ac 110,000\u2014less than half.<\/p>\n\n\n\n

Il risultato principale \u00e8 che il momento migliore per iniziare a investire era ieri. Il secondo momento migliore \u00e8 oggi.<\/p>\n\n\n\n

Affrontare il fattore paura<\/h3>\n\n\n\n

It\u2019s completely normal to feel nervous about investing. Markets fluctuate, headlines can be scary, and no one wants to lose money. But historically, markets have trended upward over the long term. Even the 2008 financial crisis, which wiped out trillions in value, was followed by one of the longest bull runs in history.<\/p>\n\n\n\n

The mistake isn\u2019t starting small\u2014it\u2019s not starting at all. You don\u2019t need to become a stock-picking expert. Instead, focus on broad market exposure, low costs, and long-term thinking. A simple ETF that tracks global markets can do the heavy lifting while you continue building your income.<\/p>\n\n\n\n

Iniziare il viaggio di investimento<\/h3>\n\n\n\n

If you\u2019ve never invested before, here\u2019s a simple framework to begin:<\/p>\n\n\n\n