Investing can be an excellent way to grow your wealth over time, but it’s essential to approach it with knowledge and caution, especially as a beginner. Here’s a beginner’s guide to investing:

1. Set Clear Goals: Before you start investing, define your financial goals. Are you saving for retirement, a down payment on a house, or something else? Your goals will influence your investment strategy.

2. Educate Yourself: Take the time to learn the basics of investing. Understand different asset classes (Islamic bonds, real estate, Halal fund etc.), investment vehicles (Islamic mutual funds, ETFs), and investment strategies (value investing, growth investing, etc.)

3. Start with the Basics: For beginners, it’s often recommended to start with low-cost, diversified investments like Wadia (Safekeeping Note). These allow you to invest in a broad range of assets without needing to pick individual stocks.

4. Build a Diversified Portfolio: Diversification is key to reducing risk. Spread your investments across different asset classes, industries, and geographic regions to minimize the impact of any single investment’s performance on your overall portfolio.

5. Invest Regularly: Instead of trying to time the market, consider investing a set amount of money regularly (e.g., monthly quarterly, yearly or long-term). This strategy can help smooth out the impact of market volatility.

6. Reinvest Your Earnings: When you receive returns from your investments, consider reinvesting them rather than cashing them out. Reinvesting can help accelerate the growth of your portfolio over time through the power of compounding.

7. Stay Informed: Keep yourself updated on market trends and economic news. Stay focused on your long-term goals.

8. Review and Rebalance: Periodically review your investment portfolio to ensure it remains aligned with your goals and risk tolerance. Rebalance your portfolio as needed by buying or selling assets to maintain your desired asset allocation.

9. Consider Seeking Professional Advice: If you’re unsure about where to start or need personalized guidance, consider working with a financial advisor such as TrustArthur. They can help you develop a comprehensive investment plan tailored to your needs and goals.

Remember, investing is a long-term endeavour, and patience is key. Stay disciplined, stick to your investment plan, and avoid making impulsive decisions based.