Myths of investing #2: It’s all too complicated

Myths of investing #2: It’s all too complicated

With so much jargon, a plethora of multi coloured graphs and countless different investment providers out there, it’s no surprise people see the task of investing as a complicated one. Most people invest because they have the simple aim of wanting their money to grow. Unfortunately, with an industry seemingly set on avoiding the concept of simplicity, this straightforward aim isn’t guaranteed a straightforward solution.

Intricacies and an overload of information

The abundance of acronyms and investing buzzwords has fanned the idea that investing is too complicated to bother with for the ordinary person. And while the intricacies of the investment world are indeed complicated, having an in depth understanding of them is far from essential in order to partake.

I have a phone because I need one. I don’t fully understand the inner workings of the technology, but I do understand how and why I use it. When getting a new phone I know I don’t want to spend more than I need to, and I know I want the best product I can get for my money. There’s not much more to it than that. I don’t get bogged down in the ‘tech talk’ but rather focus on my own requirements.

This is how investing should be; concentrate on your own requirements – what you want and need – and make sure you’re not paying too much.

By all means, if you’re interested in the difference between a unit trust and an investment trust, or you want to learn about financial gearing, then absolutely do so. But if you don’t, and the idea of doing so seems quite overwhelming, remember that knowing this information isn’t a pre-requisite for investing.

Making investment simple

Investing can be as complicated and involved as you want it to be. If you want to immerse yourself in the language, and spend your time researching and managing your investments, then there’s a service available for you (execution-only/DIY investing). But if you’d rather leave the research, actual investing and ongoing management to someone else (and not end up paying loads), then there’s a service available for you too (Wealth Horizon!).

“Wealth Horizon certainly lives up to its promise of making investment simple to understand”

The Daily Telegraph

Wealth Horizon launched with a number of clear aims; one of which was to make investing simple. Investing money shouldn’t be hard to do or difficult to understand. We don’t like to use financial jargon, and we don’t like to over complicate things for no reason. Investing shouldn’t alienate or confuse people – have a read of our manifesto if you want to find out more.

Between the hundreds of expert opinions and complicated fee structures, there are straightforward solutions to be found. So, while the task of investing has absolutely been too complicated in the past, we’re helping change that.

‘It’s too complicated’ has gone from an investment reality to an investment myth, but don’t let it turn into an excuse too.


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  1. The digital revolution
  2. Myths of investing #1: But isn’t investing a bit high risk?
  3. The early investor catches the worm


Any news and/or views expressed within this article are intended as general information only and should not be viewed as a form of personal recommendation. This article is not directed to, or intended for distribution or use in, any jurisdiction where such distribution would be prohibited. To the extent permitted by law, Wealth Horizon accepts no duty of care or liability for loss occasioned to any person acting or refraining from acting as a result of any material contained within this article. Where past performance is shown, this should not be taken as a guide to future returns. Investment in the stock market is not a suitable place for short term money. The value of investments and associated income may go down as well as up and you may not get back the full amount invested.

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Investment risk: Investment in the stock market is not a suitable place for short term money and you may not get back what you put in. All investment carries risk and it is important you understand this, if you are in any doubt about whether an investment is suitable for you, please contact us. Investment in the stock market and any income derived from it, may go down as well as up.

Wealth Horizon certainly lives up to its promise of making investment simple to understand

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