Overall I find the steps very good, and I agree with the points. But on the other hand, there is an obstacle which in my opinion is very basic, namely beginners really need guidance. This means that in every stage that is taken to develop their money in the capital market, beginners really need a mentor to support and provide an overall picture of the benefits and risks.

Finally, in every decision making, they will not be shaken by the sometimes volatile market situation. I think this is just a personal assumption, of course each will have a different perception based on his experience.