Creating an investment plan is the foundation of successful financial management. Firstly, it is important to define your financial goals: whether you want to save for retirement, buy property or simply grow your capital. Understanding these goals will help you determine how long you want to invest and the level of risk you are willing to take.

The next step is to determine how much money you are willing to invest and with what regularity. Perhaps you are willing to set aside a portion of your income each month or you already have a large amount to invest. It's also important to consider your risk tolerance: some people are willing to take risks for high returns, while others prefer stability.

Once you have determined your goals and capabilities, it is important to select the appropriate instruments. For example, stocks may be suitable for long-term investments, while bonds are preferable for more conservative strategies. Regularly reviewing and adjusting your plan will help you adapt to changing market conditions.