There is no better time to start investing. In this video, we discuss the critical concept of risk and return in investing. We cover the different types of investment risks, such as market (systematic), inflation, credit, and liquidity risks. It's essential to understand your investment goals and balance risk and return by diversifying your portfolio, investing for the long-term, and monitoring your investments regularly. Before you start investing, it's essential to understand your investment goals. Do you want short-term gains or long-term growth? Are you willing to accept high risk for the potential of high returns, or do you prefer low-risk investments that offer a lower return? Understanding your investment goals will help you make informed decisions about the types of investments that are right for you.