Financial Expert Demystifies Investing: A 3-Minute Guide to Building Your Capital

In a recent video, Mounir Laggoune, the founder of Finary, provided a succinct three-minute guide on effective money management and investment strategies. Laggoune challenged the common perception that investing is exclusively for the affluent, asserting that building capital is a universal necessity for achieving financial objectives. He introduced what he termed the 'Finary method,' conceptualized as a pyramid of investment. The foundational step involves establishing a 'security mattress' – a liquid fund equivalent to three to six months of salary, ensuring financial stability for unforeseen events. This initial layer, while not yielding high returns, offers immediate accessibility. Following the security mattress, Laggoune advised progressing to broader investments, specifically highlighting the stock market and real estate. For stock market investments, he strongly recommended Exchange Traded Funds (ETFs), particularly the MSCI World, which allows individuals to invest in 1,500 of the largest global companies. He emphasized placing these ETFs within a PEA (Plan d'Épargne en Actions), a fiscally advantageous investment vehicle in France. Crucially, Laggoune stressed that the most significant investment one can make is in their own knowledge, urging viewers to understand what they are doing before investing. He also advocated for automated, regular monthly investments, explaining that this approach removes the temptation to spend money that isn't immediately visible and ensures consistent capital growth, regardless of market fluctuations. Laggoune concluded by mentioning Finary's free educational YouTube channel and their app, designed to simplify the investment journey for beginners, with plans to launch more investment products soon.