By Sam Smith Last updated Mar 13, 2024

Investing with Rubicoin – Is It Safe and Profitable?

Rubicoin was created about four years ago by Emmet Savage. Its mission is to get the world investing successfully. The Rubicoin project aims to give courses on stock investing. Over the years, it got a lot of positive feedback. Rubicoin’s goal is also to bring the people back to stocks – to educate them on how to invest, and help them to do so wisely.

The team behind the Rubicoin project dived deeper and realized that there was a fear of getting started among ordinary people. People wanted to get started but didn’t know, for instance, which broker to choose, which stocks to invest in, what advice to listen to, and how to diversify. The idea of Rubicoin is to make the process of investing in stocks as easy as possible.

There are two Rubicoin products – Learn and Invest. Learn is created to educate people about investing in the stock market.

What is Learn by Rubicoin?

Learn is a free teaching app to help you invest with confidence. Learning to invest in stocks has never been so simple and easy. Rubicoin’s learning app gives you straightforward advice directly to your smartphone. Chief Investment Officer Emmet Savage designs lessons. He has been conveying his investment knowledge for over 20 years and has written for The Motley Fool.

What You Get with The Rubicoin Learn App:

One-minute lessons encompass all the basics of investing.
Learn how to identify awesome investment opportunities.
Easy and simple to follow book and chapter structure.

What Is the Advantage of Trading Stocks?

Stocks could be an important part of your investment portfolio. By holding securities of various companies, you could increase your savings, protect your funds against inflation and taxes, and maximize your investment income.

Buying shares is a way to diversify savings for investors looking for a more profitable investment than regulated savings accounts. Buying stocks can be a wise choice for savers looking for diversification whose investment horizon is long.

The Team Behind the Rubicoin Project

The team behind the Rubicoin project is made up of seasoned investors and tech geeks. Emmet Savage and John Tyrrell founded Rubicoin and created a united team that wanted to achieve a common goal – to assist people in shaping their financial future by making it very simple to venture into investing.

Emmet Savage – Chief Investor & Co-Founder

He was born in Dublin, and his passion is the stock market. Every spare dollar he gets invested into US-listed stocks.

As a longtime stock market investor, Emmet Savage is also the CEO of MyWallSt. The platform enables members to access expert analysis, recommending the top 1% of stocks monthly and integrating with various broker apps to help you manage your investments seamlessly. Follow Emmet for regular stock updates, and subscribe to MyWallSt if you want to know more.

John Tyrrell – COO & Co-Founder

Born in Galway, Ireland, his mission is simplicity through technology. His keen eye oversees everything happening at Rubicoin HQ, ensuring everything is operating at peak performance. If something isn’t quite to his liking, leave it to him to devise a better way of doing things.

Alejandro López – Head of Development

Alejandro has been developing investment apps since 2010, with various apps featured in the App Store and more than 5 million downloads. Born in Ronda, Spain, he leads the development team at Rubicoin. Alejandro is an amateur designer, a full-stack developer, and is passionate about Rubicoin products.

John Smyth – Head of Marketing

John is in charge of Rubicoin’s marketing department. His background encompasses four years in Google’s European HQ in Dublin. More recently, he was Head of Marketing at one of Ireland’s most prominent eCommerce companies. He is overseeing Rubicoin’s growth strategy.

Méabh Redmond – Head of Digital

Méabh’s interest in digital is focused on usability. The good design for Méabh is playful, honest, and with a clear utility. Méabh keeps an end-to-end eye on all the design assets that Rubicoin produces.

Rory Carron – Analyst

A native of Dublin, he is Rubicoin’s leading analyst. If it’s the stock market news, he’s reading it. He then writes about it, ensuring we’ve got all the latest information.

Roberto Garcia – iOS Developer

His passion is coding front-end apps. He also likes traveling as far as possible and all things geek. He was born in Pucelle, Spain.

Hitesh Singh – Lead Growth Hacker

Coming from Bangalore, India, he is the most recent addition to the Team of Rubicoin. His passions include technology and new-age marketing strategies. As part of his role – performance marketing, growth of the apps, SEO, and audience reach would be his main challenges.

Colm Kelleher – Researcher

Born in Rathfarnham, Dublin, he joined Rubicoin as an intern while still in college. Colm is into watching data, bringing a well-suited youthfulness to the Rubicoin team.

Emmet Savage, Rubicoin co-founder’s stock market investment advice

Benefit from good performance over the long term and preserve your purchasing power.

Your money may devalue due to inflation. The current situation, in fact, does not allow you to take full advantage of classic savings books, which have very low-interest rates.

To stimulate your savings, it is interesting to invest part of your assets in stock market assets. As a result, you benefit from the dynamism of the real economy. In general, equities always perform better over the long term than all other investments. You only have to look at the long-term performance of the CAC 40 to realize this.

When Should You Invest in The Stock Market?

Ideally, investing in the stock market as soon as possible is best to take advantage of market performance and enhance your capital over time. Hence, you have more time for your money to grow and for the various variations that can make you lose money.

In the same way, to invest in the stock market, it is advisable to carry out progressive investments to smooth the risk. In other words, it is preferable not to invest all your savings at once, at the risk of seeing your capital depreciate for a few years, especially if you enter a higher (good valuation of the shares). Instead, make entries spread over time (over 3 or 4 months, for example).

Note, however, that this rule only applies if your strategy is to invest in the short or medium term. Indeed, in this case, the only rule to respect is to be attentive to market opportunities.

What Minimum Amount to Invest in The Stock Market?

There is no minimum or maximum amount to invest in shares on the stock market. The price of the latter, in fact, varies widely (from a few euros to several hundred thousand euros). However, to get your investment in the stock market off to a good start, you will need to invest at least between 200 and 1,000 euros.

Anyway, here are some rules to follow to determine how much money you should invest in the stock market:

Invest enough to buy at least one stock. Even if it is possible to invest in a stock partially, the ideal is to buy at least one whole.

Invest enough to diversify your portfolio. If what you have at the beginning does not allow you to do a good diversification (investing in shares of companies of various sectors and locations), diversify your investments as you increase your investment over time.

Invest enough to avoid trading fees. Let’s take an example. If you choose to invest in the stock market for 100 euros and resell your securities for 110 euros, you make a gross profit of 10 euros. However, if you pay 5 euros in trading fees for each transaction, you will have to pay 5 euros in fees for the purchase and then 5 euros in fees for the sale, i.e., a total of 10 euros in fees. In the end, you will have made no real profit.

How to Invest in The Stock Market when You Are a Beginner?

Before investing in the stock market, you must determine your investor profile. In other words, you must get to know yourself and target your temperament. To do this :

Study the maximum loss level that you are ready to bear without being anxious: 5%, 10%, 25%?

Think about your family situation (single, married, etc.) and your financial situation (small, important wealth, etc.).

Ask yourself about your investment horizon according to your age: the shorter your investment horizon, the better it will be not to take excessive risks. The financial markets, in fact, can experience sudden fluctuations over a short time. Conversely, the longer your investment horizon can be, the more time you will have to wait for more favorable conditions in the event of a market failure.

Write down your objectives even before investing in the stock market: make additional income, increase your capital quickly, etc.

Assess your readiness: the riskier an investment you make, the more time you will need to monitor it and potentially act as events unfold. If you do not have much time to devote to your stock market investment, it is preferable to opt for prudent investments, which do not require regular monitoring.

Study your skills: if you are new to the financial markets, adopt a more cautious profile to give yourself time to learn and accumulate experience without risking losing your assets. If, on the other hand, the stock market is familiar to you, then you can take more risks since its functioning is clear to you, and you have a clear vision of your investment strategy.

By learning, you will allow yourself to refine your strategy and, above all, to know which securities exactly to make your stock market investment.