At the very beginning, it’s crucial to consider our risk tolerance and so-called “appetite” for returns. In the current market environment, generating consistent returns that exceed inflation is quite a challenge. If we aim for above-average returns, we simply have to accept a higher level of risk. With any investment, it’s worth applying the principle of diversification. Amounts up to 50,000 PLN can be partially allocated to higher-risk investment products, which have the potential to generate returns several times greater than the inflation rate…