Ключевые слова: beginners guide, bonds, compounding interest, diversification, etfs, financial independence, financial literacy, financial planning, financial ratios, fundamental analysis, growth investing, investing for growth, investing for income, investing for the long term, investing illustration, investment advice, investment concepts, investment strategies, longterm investments, money management, mutual funds, passive income, portfolio optimization, real estate, retirement planning, risk management, shortterm investments, stocks, technical analysis, time value of money, value investing, wealth building,