{"id":15810,"date":"2015-08-11T12:00:25","date_gmt":"2015-08-11T04:00:25","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=15810"},"modified":"2025-04-08T15:24:13","modified_gmt":"2025-04-08T07:24:13","slug":"growth-versus-value-which-investing-style-suits-you","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/growth-versus-value-which-investing-style-suits-you","title":{"rendered":"Growth Vs. Value Investing: Which Style Suits You?"},"content":{"rendered":"<p>When making your investment decision, do you lean towards growth funds or value funds? Let\u2019s take a look at both to see which type suits you best! While both growth and value investing styles seek to provide the best possible returns for investors, the primary differences lie in the approach, the way stocks are picked, and the types of markets for which they are best suited.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Growth-investing\"><\/span><b>Growth investing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A growth fund tends to focus on companies that experience faster than average growth as measured by revenue, earnings, or cash flow. Generally, growth-oriented companies are also more likely to reinvest profits in expansion projects or acquisitions, rather than use them to pay out dividends.<\/p>\n<p>Investors focused on growth investing will keep an eye out for stocks with growth potential that focus on newer and expanding companies which are likely to rake in profits in the future, and higher than the industry or the market in general. When you invest for growth, you are looking at capital appreciation over the long term.<\/p>\n<p>As growth funds are expected to offer higher returns, they also generally represent a greater risk. They tend to do better than the overall market when stock prices are rising, while underperforming the market as stock prices fall. Therefore, investing in growth funds may require a higher tolerance for risk and a longer time horizon.<\/p>\n<p>Factors to consider when considering \u00a0a growth fund:<\/p>\n<ul>\n<li>Is the company able to grow substantially faster than its competitors?<\/li>\n<li>Is the company involved in a rapidly expanding industry (e.g. technology and healthcare, etc.)?<\/li>\n<li>Are you comfortable with profits being realised through capital gains instead of dividends?<\/li>\n<li>Can the fund achieve above average valuations such as high price-to-book and\/or price-to-earnings ratios?<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Pros-and-cons-of-growth-investing\"><\/span><b>Pros and cons\u00a0of growth investing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table id=\"tablepress-40\" class=\"tablepress tablepress-id-40\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Pros<\/th><th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Able to realise substantial returns in a shorter time span<\/td><td class=\"column-2\">Market downturns tend to significantly affect growth stocks significantly<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Would potentially generate a good income stream if the growth stocks\u2019 dividends grow in tandem with rapidly rising earnings<\/td><td class=\"column-2\">High expectations of companies\u2019 prospects increase the probability of disappointment if the company does not meet investors\u2019 expectations <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">The absence of a large margin of safety increases the probability of losses<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-40 from cache -->\n<h2><span class=\"ez-toc-section\" id=\"Value-investing\"><\/span><b>Value investing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The goal of a value fund is to find the ultimate bargain. For example, stocks that have low prices in relation to factors such as earning, sales and net current assets of the company. A value investor will seek to buy stocks that are temporarily out of favour or at a bargain price. The value investor does so because he predicts that the share price will eventually return to a higher level when the stock comes back into favour, and the market will then drive the stock prices back up. Value investors usually do not follow the crowd, preferring instead to focus on a company\u2019s fundamentals and take advantage of the market\u2019s overreaction to negative sentiment.<\/p>\n<p>There are various reasons why stocks become undervalued in the market. Sometimes, a company or industry could be going through hard times due to a fluctuating or a poor quarterly earnings report, negatively affecting its stock price for the short term. In this case, the value investor will look for a \u201cmargin of safety\u201d, meaning that the market has discounted a security more than its market value, for example trading at a price less than its intrinsic value. Buying at a good bargain ensures that if the investment value drops, the losses will be minimal.<\/p>\n<p>In general, a value fund will invest in mature companies that use their earnings to pay dividends. As a result, value funds tend to produce more current income than growth funds, although they also offer the potential for long-term appreciation if the market recognises the true value of the stocks in which they invest.<\/p>\n<p>Factors to consider when considering investing in a value company include:<\/p>\n<ul>\n<li>Does the company\u2019s business make long-term sense (e.g. financial services and utilities)?<\/li>\n<li>Can the company\u2019s stock be bought at a discounted rate?<\/li>\n<li>Does it have a low price-to-book and\/or price-to-earnings ratio?<\/li>\n<li>Does it have a high dividend yield?<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Pros-and-cons-of-value-investing\"><\/span><b>Pros and cons\u00a0of value investing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table id=\"tablepress-41\" class=\"tablepress tablepress-id-41\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Pros<\/th><th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Reduces probability of a large loss by purchasing equities with a high margin of safety<\/td><td class=\"column-2\">If a downtrend occurs, the shares may continue to become cheaper and cheaper (trading at less than intrinsic value) <\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Goes against the grain i.e. not following the crowd, where \u201chot tips\u201d and fads do not impair investors\u2019 judgement<\/td><td class=\"column-2\">Intrinsic value is subjective, two analysts can analyse the same company and derive at a different value<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">May provide consistent returns<\/td><td class=\"column-2\">May yield lower returns on an annualised basis<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-41 from cache -->\n<h2><span class=\"ez-toc-section\" id=\"The-best-of-both-worlds\"><\/span><span style=\"color: #000000;\">The best of both worlds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/1995\/05\/sc-value-1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17865\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/1995\/05\/sc-value-1.png\" alt=\"\" width=\"799\" height=\"511\" srcset=\"\/articles\/wp-content\/uploads\/1995\/05\/sc-value-1.png 799w, \/articles\/wp-content\/uploads\/1995\/05\/sc-value-1-300x192.png 300w\" sizes=\"auto, (max-width: 799px) 100vw, 799px\" \/><\/a><\/p>\n<p>So, which style of investing would suit your portfolio best? Well, the experts say that every investor&#8217;s portfolio should contain a combination of both.<\/p>\n<p>As\u00a0investors, employing a single approach only when investing over a long period of time may not be the best idea. Instead of choosing only one approach, an investor should strive to maximise returns while minimising risk by combining both growth and value investing.<\/p>\n<p>This approach would allow investors to potentially gain whether the general market situations favour the growth or value investment style. These two types of stocks also tend to move in the opposite direction to a certain extent, so investors can enhance their potential for returns and reduce risk by combining the two approaches. Value funds offer investors more protection during sell-offs, while growth funds tend to lead during market rallies.<\/p>\n<p>The wise investor knows and understands the differences between the two, but the wisest investor knows that a portfolio built around both growth and value stocks is the true path to investing success.<\/p>\n<h3><strong>You don\u2019t need to have thousands of Ringgit lying around to start investing. Start investing <a href=\"https:\/\/www.imoney.my\/articles\/can-i-invest-with-just-rm1000-infographic\" target=\"_blank\" rel=\"noopener\">with as little as\u00a0 RM1,000!<\/a><\/strong><\/h3>\n<h3><strong>Investors who make investment decisions based on emotion will most likely head to financial crash-ville. <a href=\"https:\/\/www.imoney.my\/articles\/5-investing-behaviours-you-dont-want-to-have\" target=\"_blank\" rel=\"noopener\">Here are 5 types of investment behaviour you should avoid!<\/a><\/strong><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Warren Buffett once said: \u201cGrowth and value Investing are joined at the hip\u201d. If they really are, can we utilise and blend them together to reap maximum benefits? Read on to find out!<\/p>\n","protected":false},"author":29,"featured_media":15812,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,218,236],"tags":[208],"class_list":["post-15810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-money-management","category-sponsored","tag-featured"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Growth Vs. Value Investing: Which Style Suits You? | iMoney<\/title>\n<meta name=\"description\" content=\"How can we utilise and blend both these investing styles together to reap the maximum benefits?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/growth-versus-value-which-investing-style-suits-you\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Growth Vs. 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