All too often, people get so focused on how to make their investments grow quickly that they forget about what matters most in investing. This is very unfortunate because growth is fun!

Growth for your portfolio means adding new stocks or buying stock of already invested companies at a faster rate. Both are great strategies but it’s important to remember why you invest in stocks in the first place.

You want to build wealth through investment, not waste money by investing in things that don’t contribute to that goal.

A lot of beginners start off investing in the stock market with all sorts of rules and regulations. These can be tricky to navigate when there is a loss instead of a gain.

This article will talk about some easy ways to help your investment grow more slowly.

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Always keep your cool

Most people get nervous when investing in stocks, which is totally natural. After all, investing can be expensive!

There’s so much information out there about investing that it feels like you’re drowning in numbers and theories.

And making investment decisions is tough – every investor has different goals and priorities, which makes what’s best for one person not necessarily ideal for you.

That’s why it’s important to remain calm and rational during market fluctuations. It takes a lot of work, but if you're able to do this, then your investments will continue to grow.

"Always keeping yourself level headed and in control will prevent dramatic swings in price," says Chris McGouran, CEO of Wealthfront, an online financial services company.

Stay liquid

One of the biggest reasons people lose money in the stock market is because they invest too much! They spend all their time, energy, and dollars investing so heavily in the markets that they lack adequate time to work on other areas of their lives or business.

Becoming more invested in the stock market means increased equity which brings about greater income, but it also means less savings left over for things like vacations, education costs, or retirement.

By staying neutral (not investment-focused) you can still enjoy the benefits of the stock market while avoiding this risk. By investing in assets such as real estate, dividend paying stocks, Treasury bills, etc., you have “lasted” beyond the stock market without being fully invested.

This article will talk more about how to stay liquid with your investments.

Know your risk tolerance

As we discussed, investing is definitely not limited to just buying and selling stocks! There are many other ways to invest in the market, and it can be tough deciding which ones are best for you.

Just like with stock investing, there are different levels of investment risk that people have varying comfort zones for.

These risk tolerances or budgets will determine how much money you want to spend on investments. For example, someone who has very little money to invest may limit themselves to only investing in low-risk vehicles such as life insurance or savings accounts.

On the other hand, individuals who have more money to invest may feel comfortable investing in higher risk assets, such as stocks or real estate.

By having these various risk budgets, you create a safe environment for yourself by limiting what types of investments you feel confident about. This then gives you the freedom to pursue your dreams of financial success even if it means taking some risks.

We’ve given you lots of tips here on how to start investing, but now it's time to consider how to grow your investments.

Consider tax implications

As we mentioned before, your investment choices matter! The way you structure your investments can have significant tax consequences in terms of how much you pay in taxes each year.

Many people assume that investing means paying higher income taxes every time they get a dividend or capital gain. But this is not always the case!

There are two main reasons why this isn’t necessarily true. First, certain strategies may be designed to avoid taxable events. Second, even if there is no strategy available that avoids a specific event, you might be able to reduce what you owe slightly by choosing less-expensive alternatives.

This article will talk more about the different types of investments and some potential drawbacks of various strategies, but first let us discuss how best to manage your personal finances during these turbulent times.

Build your estate plan

Even though you’re in or close to retirement, investing still plays an important part in how well you retire. This is particularly true if you want to maintain your current lifestyle after you stop working.

You will need to consider what happens to your savings when you die. Who gets access to your money? What happens to your house if someone dies?

These are just some of the questions that can be answered by creating an appropriate estate plan. An estate plan includes more than just naming a personal representative (also called executor) for your affairs; it also involves distributing assets, protecting people from debt and liability, and addressing other family matters.

Distributing your wealth effectively is one of the most important things you can do as early retirees. If you don’t, then everyone else will have to deal with your finances — not a good idea.

A simple way to think about this is: who gets what depends on who you choose to give it to. Deciding who gets what really comes down to knowing individual relationships and which individuals make sense to leave something to.

That being said, there are several ways to distribute your possessions. Some people recommend giving away everything to charity, but we can’t emphasize enough how difficult this is unless you know exactly where your donations go.

Stay Positive

A lot of people get nervous when investing money, but most investment professionals agree that your best bet is to stay positive!

As we have seen before in this article series, investments can be scary at times. When things look bad, it is easy to become discouraged and give up.

But being negative will only make things worse for you!

Before making any purchases, consider whether or not you need them. If you do, then determine if they are a good deal. If so, invest enough to buy them!

If you don’t need what you want, try looking into opportunities where you can earn more money by buying less expensive ones. This way, you will still satisfy your desire for such products, while also saving money.

By staying positive and keeping an eye on your finances, you will find yourself investing in better quality items with ease.

Automate your investments

A significant part of investing is having enough money to invest! Most people do not have a ton of capital they can invest in the stock market or other investment vehicles.

This is totally normal as most people live paychecks through jobs and don’t have access to large amounts of cash that they can use for investing.

Luckily, you can be smart about how to invest your money. One way to do this is via automatic investing.

There are many ways to automate your investments. Some free apps, some paid software, and some robo-advisors that work with both free and paid software.

Take Advantage of Rebalancing

The second key element to investing is rebalancing your investments. This occurs when you take some of your money out for retirement and then add back in different proportions of stocks, bonds, or both depending on how rich or lean you want your portfolio to be at various times in your life.

Rebalancing helps keep up with inflation by replacing older stock assets with newer ones. It also keeps up momentum by changing what types of securities are in your investment pool.

By staying steady over time, re-balancing allows your long term goals to materialize. Because we all have our own spending habits, personal savings programs, and income sources, it’s very difficult to know if an investor has their financial needs met unless they look like them.

That can lead to being invested in companies that perform well while others close down shop and spend lavishly.