The rules on travel are neverending when it comes to Covid-19 and whilst some of us might be waiting for everything to return back to normal before we travel, whatever normal will be, others are keen to satisfy their travel bug and get on the road again!  For some, it’s not just about exploring new places, but travel could be a necessity for work, health or to see friends and family who live afar.

Like the health industry, the financial sector is also struggling due to the effects of the pandemic that started in 2020 and is still going on right now. This is one reason knowing how and where to invest your money can be difficult under the current situation. Also, the uncertainty brought by COVID-19 in the coming year can significantly impact your investment decisions. You might end up using an ineffective investment strategy, resulting in more financial losses over time.

Due to such circumstances, diversifying your investment portfolio can be an effective way of managing the potential risks associated with investing. Essentially, diversification refers to combining various types of investments in a portfolio to minimise risks and generate higher returns. It’s also the process of spreading out your wealth in multiple markets and through different asset types.

If you’re an investor, below are the four ways to diversify your investment portfolio in 2022.

R&D refers to research and development – and it’s crucial for your business. The goal of R&D is to innovate and produce new ideas for a company’s products or services. 

Without forging ahead with R&D, companies can easily stagnate and get overtaken by other businesses. 

Below, we explore the importance of R&D and the companies that have benefited the most.