Currently, I'm setting up my website and I'm wondering if it would make sense to directly set up subcategories (i.e. Real Estate Investments, Stock market investments, Crypto Investments) or go with the main category 'Investments' for now as I don't have many posts and later categorize further by creating subcategories.
What makes more sense for a new website? Can I easily add new subcategories later without impacting my ranking? If I move an existing article to a newly created subcategory, will that cause problems?
Note: my URL structure does not contain categories, so no issues there.