{"id":11965,"date":"2026-04-20T10:31:55","date_gmt":"2026-04-20T00:31:55","guid":{"rendered":"https:\/\/investors-admin.raizinvest.com.au\/?p=11965"},"modified":"2026-04-10T10:34:37","modified_gmt":"2026-04-10T00:34:37","slug":"the-three-most-common-mistakes-investors-say-they-made-at-the-start","status":"publish","type":"post","link":"https:\/\/raizinvest.com.au\/investors\/blog\/the-three-most-common-mistakes-investors-say-they-made-at-the-start\/","title":{"rendered":"The three most common mistakes investors say they made at the start"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img width=\"1050\" height=\"525\" src=\"https:\/\/investors-admin.raizinvest.com.au\/wp-content\/uploads\/2026\/04\/7-4.png\" alt=\"\" class=\"wp-image-11966\" srcset=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/04\/7-4.png 1050w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/04\/7-4-640x320.png 640w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/04\/7-4-1024x512.png 1024w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/04\/7-4-320x160.png 320w\" sizes=\"(max-width: 1050px) 100vw, 1050px\" \/><\/figure>\n\n\n\n<p>Ask almost any long-term investor what they would do differently, and you\u2019ll hear similar answers.<\/p>\n\n\n\n<p>Not complex strategies.<br>Not stock picking regrets.<br>Not fancy timing techniques.<\/p>\n\n\n\n<p>Just three simple things.<\/p>\n\n\n\n<p>The good news? They\u2019re all avoidable.<\/p>\n\n\n\n<!--more-->\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>1. Starting too late<\/h3>\n\n\n\n<p>This is the one you hear the most.<\/p>\n\n\n\n<p>\u201cI wish I started earlier.\u201d<\/p>\n\n\n\n<p>Many people delay investing because they think they need to know more first. They want to understand every term, every risk, every possible outcome.<\/p>\n\n\n\n<p>But investing is not a university degree you complete before you begin. It\u2019s something you learn by doing.<\/p>\n\n\n\n<p>The irony is that time is one of the most powerful tools in investing. The earlier you start, even with small amounts, the more time your money has to<ins> potentially<\/ins> grow and compound.<\/p>\n\n\n\n<p>Waiting until you feel 100 per cent confident <del>often <\/del><ins>might <\/ins>mean<del>s<\/del> missing out on years of growth.<\/p>\n\n\n\n<p>You don\u2019t need to know everything. You need to start, stay curious, and keep learning along the way.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>2. Panic selling in bad years<\/h3>\n\n\n\n<p>Markets do not rise in a straight line. There will be negative years. There will be uncomfortable headlines. There will be moments when your app shows your returns in red.<\/p>\n\n\n\n<p>For new investors, that can feel alarming. The instinct is to protect yourself by selling.<\/p>\n\n\n\n<p>But here\u2019s what many experienced investors say when they look back: their biggest mistake wasn\u2019t a bad investment. It was selling during a downturn and missing the recovery.<\/p>\n\n\n\n<p>Historically, markets have gone through cycles. Downturns have been followed by recoveries. The problem is, no one knows exactly when that recovery will begin.<\/p>\n\n\n\n<p>Selling in fear can lock in losses. Staying invested, if your timeframe allows, gives your money the opportunity to recover and grow.<\/p>\n\n\n\n<p>Time in the market has generally mattered more than trying to jump in and out at the \u201cright\u201d moment.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>3. Not getting the foundations right first<\/h3>\n\n\n\n<p>This one is less talked about, but just as important.<\/p>\n\n\n\n<p>Before you invest heavily, your basics matter.<\/p>\n\n\n\n<ul><li>Do you have an emergency fund?<\/li><li>Do you understand your cash flow?<\/li><li>Is your debt manageable?<\/li><\/ul>\n\n\n\n<p>If you don\u2019t have a buffer in place, every market dip feels more stressful. You\u2019re more likely to panic because you might need that money in the short term.<\/p>\n\n\n\n<p>Strong foundations make you a calmer investor.<\/p>\n\n\n\n<p>When you know your bills are covered and you have a safety net, you\u2019re far less likely to react emotionally to short-term market movements.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>Remember: Most investors don\u2019t regret starting.<\/h3>\n\n\n\n<p>They regret waiting.<br>They regret reacting emotionally.<br>They regret skipping the basics.<\/p>\n\n\n\n<p>You don\u2019t need to be an expert to begin. You just need to avoid the common traps and thankfully, you can learn from others&#8217; mistakes.&nbsp;<\/p>\n\n\n\n<p>If you want to get your foundations sorted and build confidence as an investor, head to Raiz Academy and take the next step.<\/p>\n\n\n\n<p>Investing for your kids. Why starting early matters<\/p>\n\n\n\n<p>Most adults have had this thought at some point.<\/p>\n\n\n\n<p>\u201cI wish I started earlier.\u201d<\/p>\n\n\n\n<p>Earlier with saving.<br>Earlier with investing.<br>Earlier with understanding money.<\/p>\n\n\n\n<p>The good news? You can give your kids that head start.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>Why time is your child\u2019s biggest advantage<\/h3>\n\n\n\n<p>When it comes to investing, time is powerful.<\/p>\n\n\n\n<p>The earlier money is invested, the longer it has to <ins>potentially <\/ins>grow. That growth can build on itself over the years. It doesn\u2019t happen overnight. But over 10, 15 or 18 years, small amounts can turn into something meaningful.<\/p>\n\n\n\n<p>That\u2019s why investing for your child early can make such a difference.<\/p>\n\n\n\n<p>It\u2019s not about putting away huge sums. It\u2019s about consistency and time.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>More than just money<\/h3>\n\n\n\n<p>Investing for your kids isn\u2019t only about building a balance for their 18th birthday.<\/p>\n\n\n\n<p>It\u2019s also about teaching them how money works.<\/p>\n\n\n\n<p>When children see money being invested, and understand that it can grow over time, they start to build financial confidence.<\/p>\n\n\n\n<p>They learn that money is not just for spending. It can also be used to build opportunities.<\/p>\n\n\n\n<p>That education can be just as valuable as the dollars themselves.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>How Raiz Kids works<\/h3>\n\n\n\n<p>Raiz Kids makes it simple to invest for your children with as little as $5.<\/p>\n\n\n\n<p>You can make lump sum contributions or set up regular investments, just like your own Raiz account.<\/p>\n\n\n\n<p>Each Raiz Kid account has its own separate investment portfolio, so you can personalise it.<\/p>\n\n\n\n<p>And with parental permission, your child can access their account. That means they can see how investing works in real life, not just in theory.<\/p>\n\n\n\n<p>It\u2019s a practical way to combine saving, investing and financial education in one place.<\/p>\n\n\n\n<p><strong>Remember: <\/strong>You can\u2019t control everything about your child\u2019s future. But you can give them time.<\/p>\n\n\n\n<p>Time to grow their money.<br>Time to learn about investing.<br>Time to build confidence.<\/p>\n\n\n\n<p>Starting early, even with small amounts, can make a meaningful difference later on.<\/p>\n\n\n\n<p>If you want to invest in your child\u2019s future and help them build strong money habits, explore Raiz Kids in the app and see how easy it is to get started.<\/p>\n\n\n\n<div style=\"height:47px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><\/p>\n\n\n\n<h3>Don\u2019t have the Raiz App?<\/h3>\n\n\n\n<p>Download it for free in the App store or the Webapp below:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/3yef.adj.st\/home?adj_t=4emcfc6_1okyyjf&amp;adj_deep_link=raiz%3A%2F%2Fhome&amp;adj_fallback=https%3A%2F%2Fapp.raizinvest.com.au%2F\"><img width=\"351\" height=\"84\" src=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app.png\" alt=\"download-raiz-app\" class=\"wp-image-3372\" srcset=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app.png 351w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app-320x77.png 320w\" sizes=\"(max-width: 351px) 100vw, 351px\" \/><\/a><figcaption><span style=\"text-decoration: underline;\"><a href=\"https:\/\/3yef.adj.st\/home?adj_t=4emcfc6_1okyyjf&amp;adj_deep_link=raiz%3A%2F%2Fhome&amp;adj_fallback=https%3A%2F%2Fapp.raizinvest.com.au%2F\">Click to download the Raiz app<\/a><\/span><\/figcaption><\/figure><\/div>\n\n\n\n<p><strong><em>Important Information<\/em><\/strong><\/p>\n\n\n\n<p>This blog has been issued by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) as Responsible Entity of the Raiz Invest Australia Fund (ARSN 607 533 022) and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such information, you should conduct your own review or consult a financial advisor before making a decision to invest. Please read the relevant Product Disclosure Statement and any associated reference documents before making an investment decision. In accordance with the Design and Distributions Obligations, we maintain Target Market Determinations for our Funds.&nbsp; All documents can be found on the&nbsp; Raiz website www.raizinvest.com.au, or calling the Customer Support team on 1300 754 748. Please note that past performance is not a reliable indicator or guarantee of future performance. Historical returns, forecasts, and market commentary are provided for general informational purposes only. All investment carries risk and may result in loss of capital.<\/p>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ask almost any long-term investor what they would do differently, and you\u2019ll hear similar answers. Not complex strategies.Not stock picking regrets.Not fancy timing techniques. Just three simple things. The good news? They\u2019re all avoidable.<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[4511,4525,19,1,20],"tags":[],"yst_prominent_words":[128,235,2768,1010,224,233,314,469,289,153,117,166,471,491,2555,352]}