7 minutes | Monday, 31 March 2025
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When it comes to investing, success is more about understanding the wide range of available options and taking that crucial first step. Victor Cianni from Alpian Bank, points out that while previous generations might have favored tangible investments like gold and real estate, today’s investors have much broader opportunities, including emerging assets such as cryptocurrencies.
The key is to start investing and to diversify across various types of assets.
To simplify the vast and sometimes intimidating landscape of investments, the conversation organizes the options into five main categories: People, Things, Organisations, Views, and Means of Exchange. The first category, People, reframes the idea of investment by suggesting that individuals themselves are assets. By investing in education, training, and career development, one becomes a productive asset that generates income—essentially acting as a dividend-paying entity. This perspective also extends to investing in others, whether it’s through supporting family members, artists, athletes, or even broader community investments via taxes and pension funds.
The second category, Things, covers tangible assets that people can physically interact with. This includes property, commodities like metals and agricultural products, and collectibles such as art, wine, watches, and even vinyl records. These items not only diversify a portfolio but also sometimes appreciate in value over time.
Next, the category of Organisations focuses on investing in businesses and governments. This is done through two primary methods: equity and debt. Purchasing stocks gives investors partial ownership in companies, meaning they share in both profits and losses, while bonds represent loans to these entities, repaid with interest. Despite their lower profile, bond markets are enormous, involving trillions of dollars.