The aim of investing in shares market is to earn money.

Lest we end up over-simplifying the investing process, this seemingly straightforward response can actually be broken down further, to better guide your investment strategies, approach, and perhaps type of shares suitable for your investment goal.

There are 3 types/levels of returns we should aim for in this investing journey. Do spend some time to think about what we hope to get out of investing, and be clear about which objectives we are after.

To beat inflation

Someone with conservative risk appetite could be contented with low but stable returns that just beat inflation. Returns we are looking at around 3%-4%, just a tad higher than inflation, such that the purchasing power of our capital is not eroded, and preserved as time passes.

This is the most basic form of returns we can aim for – moderate but stable. One …