# Margarethe Honisch investment guidance > Live situation record from CLSTR: https://clstr.news/situations/margarethe-honisch-investment-guidance > Updated: 2026-10-05T04:21:44.000Z. Sources: 6. Developments: 2. Financial expert Margarethe Honisch, founder of Fortunalista, provides guidance on personal investment strategies and risk management. Initially, Honisch addresses loss aversion, particularly among women, noting that fear of market fluctuations often prevents individuals from starting to invest. She suggests that instead of waiting for predictable market stability, investors should focus on long-term strategies that align with their personal risk tolerance and the duration for which capital can remain invested. Following this, the focus shifts to determining how much savings should be committed to investments. Honisch advises that decisions should be based on individual circumstances rather than specific account balances. She emphasizes the importance of evaluating investment objectives and time horizons, while prioritizing the establishment of a financial buffer to cover unexpected expenses and personal responsibilities. ## Claims - The decision to invest depends on liquidity needs rather than the total account balance. (corroborated by 6 sources) - Financial experts recommend considering reserves, investment goals, time horizons, and risk tolerance before investing. (corroborated by 6 sources) - An individual's financial buffer should be determined by their specific life situation, such as fixed costs or family responsibilities. (corroborated by 6 sources) ## Timeline ### 2026-10-05: Personal finance: How much savings should be invested Financial expert Margarethe Honisch advises that investment decisions should prioritize personal liquidity and risk tolerance over total account balance. 6 sources. https://clstr.news/cluster/personal-finance-how-much-savings-should-be-invested ### 2026-10-04: Investment strategies for managing loss aversion in women Financial expert Margarethe Honisch advises women on managing investment anxiety and market volatility through personalized, long-term risk management strategies. 5 sources. https://clstr.news/cluster/investment-strategies-for-managing-loss-aversion-in-women --- Cite as: Margarethe Honisch investment guidance. CLSTR, https://clstr.news/situations/margarethe-honisch-investment-guidance