When planning on becoming an investor, there are many things you need to consider,
including:

• Where you are in your life, or life stage
• Expected and unexpected life events
• Investment time horizon (long- versus short-term)
• Risk tolerance
• Investment/ financial knowledge
• Financial goals and expectations
• Budget and financial plan that’s appropriate for you
• How to research investments and check registration
• Whether to use the services of a financial adviser
• The importance of reviewing and adjusting your investments
• How to identify potentially fraudulent investments

With these thoughts in mind, work your way through this section. Now is the time to lay
the right foundation of financial knowledge and to develop a financial plan that meets
your goals at every stage of your life.